How to Know You're Wasting Money for Car Insurance in Yuma

Did you fall for a flashy sales pitch and buy an overpriced car insurance policy? Believe me, there are a lot of people in Yuma just like you who feel imprisoned by their car insurance policy. With consumers having so many choices, it is hard for the average consumer to locate the cheapest company.

It's important to shop coverage around every six months due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best deal a couple years back a different company probably has better rates today. Starting right now, block out anything you think you know about car insurance because I'm going to teach you the proper way to find better rates and still maintain coverage.

Buying the lowest cost protection in Yuma is simple if you know the tricks. If you have a current car insurance policy or need new coverage, you can learn to find the best rates while maintaining coverages. Colorado consumers only need to know the best way to get comparison rates over the internet.

Save big with these discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but some must be asked about before you will receive the discount. If you don't get every credit possible, you are throwing money away.

Senior Citizens - If you qualify as a senior citizen, you may be able to get a small decrease in premiums.
Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
Discount for Good Grades - Performing well in school can get you a discount of up to 25%. The discount lasts well after school through age 25.
Driver Safety - Completing a defensive driving course could possibly earn you a 5% discount if you qualify.
Driver's Ed - Make teen driver coverage more affordable by requiring them to complete a driver education course if it's offered in school.
Use Seat Belts - Using a seat belt and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.

A little note about advertised discounts, most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

Tips to Get Lower Yuma Rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for car insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower car insurance prices.

Older drivers pay less - Youthful drivers in Colorado are known to be more careless when behind the wheel so car insurance rates are higher. Older insureds are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims would be running into the backend of another car, damage caused by hail, and windstorm damage. Your deductibles are how much you are required to spend in the event of a claim. The more money you have to pay, the less your car insurance will be.
Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Drivers who don't get tickets tend to pay less for car insurance compared to drivers with tickets. Just one moving violation can bump up the cost forty percent or more. Drivers who have flagrant citations such as DUI or reckless driving may need to file a SR-22 to the state department of motor vehicles in order to keep their license.
Extra add-on coverages are wasting money - There are a ton of extra coverages that you can buy when buying car insurance. Things like roadside assistance, towing coverage and additional equipment coverage are examples of these. These may sound like a good investment when talking to your agent, but now you might not need them so remove them from your policy.
High credit ratings translate to low rates - Credit history is a huge factor in calculating your car insurance rates. So if your credit score is not that good, you could potentially save money when insuring your by improving your rating. People with high credit ratings tend to be more responsible than drivers who have lower credit scores.
An active claims history can cost you - If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies in Colorado provide discounts to insureds who do not file claims often. Auto insurance is intended for the large, substantial claims.

Car insurance ads bend the truth

Consumers in Colorado get pounded daily by advertisements that promise big savings from the likes of Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings after switching your coverage to them.

But how can every company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. An example of a desirable insured might be between the ages of 40 and 55, has no driving citations, and drives less than 10,000 miles a year. Any driver who fits that profile will get very good rates and most likely will save a lot of money.

Potential insureds who fall outside this ideal profile will have to pay more money which usually ends up with the customer not buying. The ads say "drivers who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the way they do.

Because of the profiling, drivers should get quotes from several different companies. You cannot predict which car insurance company will provide you with the cheapest rates.

Additional information is available on the website for the Colorado DORA Division of Insurance. Click here for link. Visitors are able to read enforcement actions against agents and companies, report car insurance fraud, file complaints about a company, and discover disciplinary actions.

Also read more on this Car Insurance FAQ and this page of insurance agents in Yuma.

In the end, you save

As you go through the steps to switch your coverage, don't be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price.

The cheapest car insurance can be bought both online as well as from independent agents in Yuma, so you should be comparing quotes from both to have the best chance of lowering rates. Some car insurance companies don't offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

We just presented a lot of information how to reduce car insurance prices online. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like .