Proven Techniques for Buying Moreno Valley Auto Insurance for the Lowest Rate

Are you sick and tired of not being able to afford to buy car insurance? Your situation is no different than many other California drivers. Lots of car insurance companies contend to insure your vehicles, and it can be difficult to compare rates to find the best price available.

If you have insurance now or need new coverage, you can use these techniques to reduce the price you pay while maximizing coverage. Buying car insurance in Moreno Valley is quite easy. California drivers just need to learn the best way to shop for auto insurance online.

Automobile Insurance Quotes in Moreno Valley, California

Reducing your insurance rates is a fairly straight forward process. Drivers just need to invest a little time getting comparison quotes provided by online insurance companies. This can be done in just a few minutes using one of these methods.

• The most efficient way to get quotes for comparison is a comparison rater form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests for every auto insurance company. One form will get you rate comparisons .
• A harder way to compare prices requires a visit to the website of each company to complete their respective quote request forms. For example, let’s assume you want comparison quotes from Nationwide, Esurance and Liberty Mutual. To find out each rate you need to visit each site and enter your policy data, which is why the first method is quicker.

  To view a list of companies in Moreno Valley, click here.

• The most time-consuming way to compare rates is driving around to insurance agents’ offices. Shopping for auto insurance online can eliminate the need for a local agent unless you prefer the professional advice of a licensed agent. You can, however, obtain prices from the web and still use a local agent and we’ll talk about that later.

Whichever method you choose, double check that you are using apples-to-apples coverage information with every price quote. If you use higher or lower deductibles you can’t possibly find the best deal in Moreno Valley.

Don’t miss out on these money-saving discounts

Companies don’t necessarily list every available discount in a way that’s easy to find, so we took the time to find some of the best known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you qualify for, you are throwing money away.

• Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
• Bundle and Save – When you combine your home and auto insurance with the same insurance company you could get a discount of up to 20% off your total premium.
• Government Employees – Being employed by or retired from a federal job may qualify you for a discount depending on your company.
• Save over 55 – Older drivers may qualify for a discount up to 10%.
• Accident Waiver – Certain companies permit an accident before hitting you with a surcharge if you are claim-free for a set time period.

It’s important to understand that most credits do not apply to the entire policy premium. Most cut specific coverage prices like liability and collision coverage. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Are insurance agents a thing of the past?

Certain consumers just want to talk to a local agent and that is OK! Good agents are trained to spot inefficiencies and give you peace of mind. The best thing about comparing rates online is you can get better rates and still have an agent to talk to.

To make it easy to find an agent, after completing this form (opens in new window), your insurance coverage information is submitted to companies in Moreno Valley who will compete for your insurance coverage. You never need to visit any agencies due to the fact that quote results will go immediately to your email address. How’s that for easy!

Choosing an insurance company shouldn’t rely on just the premium amount. Ask your prospective agent these questions:

• Are they properly licensed to sell insurance in California?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Does the agency have a good rating with the Better Business Bureau?
• What insurance companies do they recommend if they are an independent agent?
• Do they make recommendations based only on price?
• Are claims handled at the agent’s location?
• Is the agency involved in supporting local community causes?
• Are they able to influence company decisions when a claim is filed?

Independent or Captive: It’s your choice

When looking for a reliable agent, there are a couple of types of insurance agents that differ in how they can insure your vehicles. Agents can either be independent or captive. Both insure your vehicles, but it’s good to learn the differences because it can influence the type of agent you choose

Captive Agents

Captive insurance agents have only one company to place business with like State Farm, Allstate and AAA. They generally cannot give you multiple price quotes so it’s a take it or leave it situation. Captive agents are usually quite knowledgeable on their products and sales techniques which helps them compete with independent agents.

Shown below is a list of captive agencies in Moreno Valley who can help you get rate quotes.

Allstate Insurance – 23470 Olive Wood Plaza Dr #250 – Moreno Valley, CA 92553 – (951) 924-4362
Farmers Insurance Group – 23962 Alessandro Blvd # S – Moreno Valley, CA 92553 – (951) 656-2709
State Farm Insurance – 12075 Heacock St – Moreno Valley, CA 92557 – (951) 242-8000

Independent Insurance Agents

Independent insurance agents are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. To transfer your coverage to a different company, the business is moved internally without you having to go to a different agency. When searching for an agent, it’s recommended you contact several independent insurance agents for the best price selection.

Listed below are Moreno Valley independent insurance agencies that can give you rate quotes.

One Shot Insurance – 24760 Sunnymead Blvd # 104 – Moreno Valley, CA 92553 – (951) 242-7322
Agromon Insurance Svc – 24992 Alessandro Blvd # L – Moreno Valley, CA 92553 – (951) 485-9555

To view a full list of auto insurance agents in Moreno Valley, visit this link.

After receiving reasonable responses to any questions you have and an affordable coverage quote, you have narrowed it down to an auto insurance agent that will provide auto insurance coverage.

More detailed California auto insurance information is located at the California Department of Insurance website. Consumers can read enforcement actions against agents and companies, view agent and company licensing information, and discover disciplinary actions.

Additional helpful sites include this page for auto insurance in California and this link where you can make Moreno Valley auto insurance comparisons.

Smart shoppers get results

We covered a lot of techniques to shop for auto insurance online. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from some of the smallest insurance companies. Smaller companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

As you restructure your insurance plan, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford, not the least amount of coverage.