Free Guide to Paying Less for Whittier Car Insurance Online

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say there are many Whittier consumers feeling the pinch from expensive car insurance. Numerous battle for your business, so it can be very hard to choose a and uncover the absolute lowest price

It's important to compare prices every six months since rates are constantly changing. Just because you had the lowest rates two years ago the chances are good that you can find a lower rate today. So block out anything you think you know about car insurance because we're going to show you the tricks you need to know to find lower rates on car insurance.

If you have insurance now or need new coverage, you can follow these tips to find better prices while maintaining coverages. Finding affordable coverage in Whittier is quite easy. California drivers only need an understanding of the proper methods to compare rates online.

Policy discounts you shouldn't miss

Car insurance can cost a lot, but you can get discounts that you may not even be aware of. A few discounts will automatically apply when you quote, but lesser-known reductions have to be specially asked for before you get the savings. If they aren't giving you every credit possible, you're paying more than you need to.

Discount for Good Grades - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
Homeowners Discount - Being a homeowner may earn you a small savings because owning a home is proof that your finances are in order.
Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy could earn a price break for each car.
No Charge for an Accident - A few companies permit an accident before raising your premiums if you are claim-free prior to the accident.
Save with a New Car - Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.
No Accidents - Drivers with accident-free driving histories can save substantially compared to bad drivers.
E-sign - Certain companies may give you up to $50 simply for signing on their website.
Memberships - Being a member of certain professional organizations could trigger savings on your policy.

Consumers should know that many deductions do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like it's possible to get free car insurance, companies don't profit that way. Any qualifying discounts will cut the amount you have to pay.

To see a list of providers offering car insurance discounts in Whittier, click this link.

Comprehensive Whittier Car Insurance Comparison

Finding cheaper car insurance prices doesn't have to be difficult. Consumers just need to spend a few minutes comparing price quotes from different insurance companies. This is very easy and can be done in a couple of different ways.

The best way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form prevents you from having to do multiple quote forms for every car insurance company. Filling out one form will return quotes from multiple low-cost companies.
A more time consuming way to shop for car insurance online is to take the time to go to each company website to complete their respective quote request forms. For examples sake, let's assume you want to compare rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, which is why most consumers use the first method. For a list of links to companies insuring cars in Whittier, click here.
The hardest method to compare rates is to spend time driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a local agent. Drivers can obtain prices from the web but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just ensure you are comparing the exact same coverages and limits on every quote you get. If the quotes have different deductibles it will be impossible to determine which rate is truly the best in Whittier.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. Understanding what determines base rates enables informed choices that can help you get lower car insurance prices.

Poor driving leads to higher costs - Your driving record impacts your car insurance rates tremendously. Careful drivers receive lower rates than bad drivers. Only having one citation can boost insurance rates forty percent or more. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
Do you know your deductibles? - Physical damage insurance, otherwise known as comp (or other than collision) and collision, protects your car from damage. Some instances where coverage would apply would be colliding with a building, damage caused by hail, or theft. Physical damage deductibles are the amount of money you are willing to pay before a claim is paid by your company. The higher the amount you are required to pay out-of-pocket, the less your car insurance will be.
The more you drive the more you pay - The more miles you rack up on your car in a year the higher your rates will be. Most insurance companies charge to insure your cars determined by how the vehicle is used. Autos left parked in the garage qualify for better rates compared to those used for work or business. Make sure your car insurance policy is showing how each vehicle is driven.
Your occupation can affect rates - Did you know your occupation can influence how much you pay for car insurance? Occupations like lawyers, executives and accountants tend to have higher rates than average attributed to job stress and lengthy work days. On the flip side, occupations like actors, athletes and homemakers receive lower rates.
Protect your assets with liability insurance - Liability insurance provides coverage in the event that you are found liable for causing damage or personal injury in an accident. It provides for a legal defense starting from day one. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
Drive a safer car and pay less - Cars with high safety ratings tend to have better insurance rates. Safer cars reduce injuries and any reduction in injury severity means lower claim amounts and lower rates for you.

Save $429 a year? Really?

Consumers in California can't get away from ads that promise big savings by State Farm and Allstate. All the ads make the same claim of big savings if you switch to their company.

How do they all claim to save you money?

All companies are able to cherry pick for the driver that is profitable for them. For example, a preferred risk might be between 30 and 50, has no driving citations, and chooses high deductibles. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to cut their rates substantially.

Drivers who don't qualify for the "perfect" profile will be charged a higher premium which leads to the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can confidently state the savings.

That is why drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will give you the biggest savings.

And the best car insurance company is...

We just covered many ideas to compare car insurance prices online. The key thing to remember is the more you quote, the better chance you'll have of finding lower rates. You may be surprised to find that the best prices are with an unexpected company. These smaller insurers may often insure only within specific states and give getter rates compared to the large companies like .

Cost effective car insurance is available both online and also from your neighborhood Whittier agents, so compare prices from both to have the best selection. Some insurance companies may not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

When buying insurance coverage, never reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Additional car insurance information can be found on the website for the California Department of Insurance through this link. Visitors are able to file complaints about a company, report car insurance fraud, file complaints about an insurance agent or broker, and read industry bulletins.