8 Best Tips to Cut Car Insurance Costs in Woodbridge

Having to pay for overpriced car insurance can overdraw your checking account and put the squeeze on your family's finances. Comparison shopping is a smart way to cut your insurance bill.

With consumers having so many companies and agents to choose from, it is very difficult to pick the most cost effective car insurance company.

It's important to check car insurance prices quite often since rates are constantly changing. Just because you found the best price on your last policy you can probably find a lower rate today. Forget all the misinformation about car insurance because you're about to learn the quickest way to properly buy coverages while reducing your premium.

The purpose of this post is to help you learn how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Although California consumers do need to know how companies sell online and apply this information to your search.

California car insurance

Free Woodbridge Car Insurance Quotes

Most companies provide prices for coverage on the web. Getting quotes is fairly straightforward as you simply enter your coverage information into the quote form. When the form is submitted, the system will obtain reports for credit and driving violations and gives you a price quote. This makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form is not the best way to spend an afternoon. Unfortunately, it is important to perform this step if you want to find a lower rate.

A quicker way to locate the lowest prices is to use a quote form that analyzes rates from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes online shopping much easier to do. After sending your information, it gets priced with multiple companies and you can pick any or none of the quotes returned.

If you find a better price you can click and sign and buy the policy. The whole process takes 15 minutes at the most and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and enter your information. If you currently have coverage, we recommend you copy the limits and deductibles as close as possible to your current policy. This ensures you will be getting a price comparison for similar insurance coverage.

More discounts equal less premium

Car insurance can cost a lot, but there are discounts available that you may not know about. Some trigger automatically when you get a quote, but less common discounts must be inquired about before you will receive the discount.

  • Good Student Discount - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Senior Citizens - Mature drivers may receive reduced rates.
  • Own a Home - Being a homeowner may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Multi-policy Discount - When you combine your home and auto insurance with the same insurance company you could get a discount of approximately 10% to 15%.
  • Memberships - Being a member of a professional or civic organization could qualify you for a break on your policy.
  • Safety Course Discount - Taking part in a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Theft Prevention System - Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Accident Free - Drivers who don't have accidents can save substantially compared to bad drivers.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only reduce specific coverage prices like medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky. Any amount of discount will help reduce your premiums.

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

It's not one size fits all

When choosing the right insurance coverage for your personal vehicles, there really is no "best" method to buy coverage. Your needs are not the same as everyone else's and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine if you would benefit from an agent's advice.

  • Do I need to file an SR-22 for a DUI in California?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • When do I need to add a new car to my policy?
  • Should I buy only the required California minimum liability coverage?
  • What are the best liability limits?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Should I rate my vehicle as pleasure use or commute?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of car insurance companies in your area.

More sites with car insurance information

Additional information can be found on the website for the California Department of Insurance found here. Visitors are able to file complaints about a company, read enforcement actions against agents and companies, report car insurance fraud, and view agent and company licensing information.

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