8 Discounts Winters Drivers Forget when Buying Car Insurance

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say there are a lot of people in Winters just like you who feel imprisoned by their car insurance policy.

You have multiple to buy insurance from, and though it is a good thing to have a choice, having more makes it harder to compare rates.

It's important to do rate comparisons at least once a year since rates are constantly changing. If you had the best deal six months ago there may be better deals available now. Starting right now, block out anything you think you know about car insurance because we're going to show you the only way to remove unneeded coverages and save money.

Buying car insurance in Winters is quite easy. If you are paying for car insurance now, you will be able to save some money using these methods. Nevertheless, California car owners do need to know how companies determine prices and take advantage of how the system works.

Take advantage of discounts

Car insurance companies don't necessarily list all their discounts very clearly, so here is a list some of the more common and the harder-to-find discounts you could be receiving.

  • Sign Online - A handful of insurance companies will give a small break simply for signing over the internet.
  • Drive Less and Save - Keeping the miles down can qualify you for a substantially lower rate.
  • Pay Upfront and Save - By paying your policy upfront rather than paying monthly you can actually save on your bill.
  • No Charge for an Accident - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims for a particular time prior to the accident.
  • Anti-lock Brakes - Vehicles with anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • Bundle and Save - When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Accident Free - Drivers with accident-free driving histories can earn big discounts as compared to frequent claim filers.
  • Defensive Driving Course - Taking part in a driver safety course could possibly earn you a 5% discount depending on where you live.

Consumers should know that some credits don't apply the the whole policy. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

For a list of companies with the best car insurance discounts in California, click here.

Quick Winters Car Insurance Quotes

There are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find competitive insurance rates is to use the internet to compare rates. This can be accomplished in just a few minutes using one of these methods.

One of the best ways to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing boring form submissions to each individual car insurance company. Completing one form will return price quotes from all major companies.

A different way to compare rate quotes consists of visiting each individual company website and complete a new quote form. For examples sake, let's say you want to compare rates from , and . To find out each rate you need to take the time to go to each site to enter your coverage information, and that's why the first method is more popular.

To view a list of companies in Winters, click here.

The most time-consuming method of comparing rate quotes is driving around to different Winters agent offices. The internet makes this process obsolete unless you have a need for the professional guidance only provided by licensed Winters agents. It is possible to compare online quotes and still use a local agent and we'll cover that in a bit.

Whichever method you choose, compare identical deductibles and coverage limits on every quote. If the quotes have different values for each quote you will not be able to make a fair comparison in Winters. Slightly different coverage limits can mean a large discrepancy in price. Just keep in mind that more quotes helps locate better pricing.

Shop smart and save

Cost effective car insurance is possible from both online companies and with local Winters insurance agents, so you should compare both to get a complete price analysis. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to get the best coverage possible for the lowest price.