How to Know You're Wasting Money for Auto Insurance in Warner Springs

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Believe me, many Warner Springs consumers feel financially strained by their auto insurance policy. Since consumers have many choices, it can be hard to locate the lowest cost insurance company.

Buying car insurance in Warner Springs is quite easy. If you are insured now or are shopping for new coverage, you can learn to find the best rates while maximizing coverage. California drivers only need an understanding of the tricks to get comparison rates online.

Save big with these discounts

Companies offering auto insurance don't list all available discounts very well, so here is a list some of the best known and the harder-to-find discounts you could be receiving. If you don't get every credit possible, you are throwing money away.

  • Clubs and Organizations - Affiliation with a professional or civic organization may earn a discount when buying auto insurance.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off depending on your company.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy qualifies for this discount.
  • New Vehicle Savings - Putting insurance coverage on a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Driver's Ed - Make teen driver coverage more affordable by requiring them to enroll in driver's education in high school.
  • Defensive Driving Course - Successfully completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

Consumers should know that some credits don't apply to all coverage premiums. Some only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, companies don't profit that way.

Auto insurance ads bend the truth

California drivers get pounded daily by advertisements that promise big savings from the likes of Allstate, GEICO and Progressive. All the companies have a common claim of big savings if you move your coverage to them.

But how can every company say the same thing? This is how they do it.

Insurance companies are able to cherry pick for the type of customer that earns them a profit. An example of a profitable customer might be profiled as over the age of 50, has no driving citations, and drives newer vehicles. A propective insured that hits that "sweet spot" will get very good rates and most likely will save a lot of money.

Consumers who fall outside this ideal profile must pay higher rates and this can result in business not being written. The ads say "drivers who switch" not "people who quote" save that much money. That's the way insurance companies can confidently claim big savings. This illustrates why you should get a wide range of price quotes. It's not possible to predict which auto insurance company will give you the biggest savings.

Learn more about California auto insurance

More tips and info about auto insurance is available at the California Department of Insurance website. California drivers can find out which companies have the most complaints, download brochures, view a list of available companies, and report car insurance fraud.

Also read more on this link for California auto insurance quotes and this link which helps you find a Warner Springs agent.

And the best car insurance company is...

Cost effective auto insurance is definitely available on the web as well as from independent agents in Warner Springs, and you should be comparing both to get a complete price analysis. A few companies don't offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to find the BEST coverage for the lowest price while not skimping on critical coverages.