Westwood Car Insurance For Less Than You're Paying Now

If you've never shopped for car insurance online, it's easy to be confused due to the large number of car insurance companies selling insurance in Westwood.

It's important to get comparison quotes occasionally due to the fact that insurance rates are constantly changing. Even if you think you had the best deal two years ago you can probably find a lower rate today. Starting now, forget anything you know (or think you know) about car insurance because I'm going to teach you the only way to save on car insurance.

The purpose of this article is to introduce you to how car insurance quotes work and some tips to save money. If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. But California consumers do need to know the way companies market insurance on the web and take advantage of how the system works.

California car insurance

Finding Car Insurance Deals in Westwood, CA

Most companies like State Farm and Allstate give insurance quotes directly from their websites. Obtaining pricing doesn't take much effort as you simply enter your coverage preferences as detailed in the form. When the form is submitted, the system will obtain information on your driving record and credit history and generates pricing information based on many factors.

This makes it a lot easier to compare rates but the time it takes to visit many different websites and complete many quote forms is repetitive and time-consuming. But it's very important to compare as many rates as possible in order to get the best price on car insurance.

A quicker way to get multiple rate quotes makes use of a single form that analyzes rates from a bunch of companies at once. The form is fast, requires much less work on your part, and makes quoting online much more enjoyable and efficient. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any one of the quotes returned.

If a lower price is quoted, you simply finish the application and purchase coverage. This process takes just a few minutes to complete and you will know how your current rates stack up.

In order to find out if lower rates are available, click here to open in new window and input your coverage information. If you have a policy now, it's recommended you duplicate deductibles and limits just like they are on your policy. This ensures you will receive a fair comparison for similar insurance coverage.

Are you getting all your discounts?

Car insurance can cost a lot, but companies offer discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Discount for Swiching Early - Some insurance companies reward drivers for buying a policy before your current expiration date. The savings is around 10%.
  • Anti-theft System - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Safety Course Discount - Taking a defensive driving course can save you 5% or more and easily recoup the cost of the course.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase life insurance from them.
  • Senior Citizens - Mature drivers may receive a discount up to 10%.
  • No Claims - Good drivers with no accidents can earn big discounts compared to bad drivers.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
  • Homeowners Savings - Being a homeowner may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Resident Student - Children who live away from home and don't have a car can be insured at a reduced rate.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.

Drivers should understand that most credits do not apply to your bottom line cost. Most only cut individual premiums such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, companies wouldn't make money that way. But all discounts will bring down the cost of coverage.

To see a list of providers with discount car insurance rates in California, follow this link.

Tailor your coverage to you

When choosing proper insurance coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

For instance, these questions might point out whether you might need an agent's assistance.

  • Does my car insurance cover rental cars?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Should I rate my vehicle as pleasure use or commute?
  • When does my teenage driver need to be added to my policy?
  • Should I put collision coverage on all my vehicles?
  • Will I be non-renewed for getting a DUI or other conviction?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don't know the answers to these questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Much more information about car insurance in California is available on the California Department of Insurance website located here. Visitors are able to file complaints about a company, read consumer alerts, and discover disciplinary actions.

Additional helpful sites include III.org's auto insurance page and this directory of insurance agents in Westwood California.