6 Best Tricks to Reduce Car Insurance Costs in Aliso Viejo, CA

Saving money on Aliso Viejo car insurance is a challenge for consumers not familiar with buying insurance online. Drivers have so many choices that it can quickly become more work than you anticipated to find lower rates in Aliso Viejo.

Save big with these six discounts

Car insurance companies don't always advertise all available discounts in a way that's easy to find, so the following is a list of some of the more common and the more hidden car insurance savings.

  • Organization Discounts - Belonging to a civic or occupational organization could qualify you for a break when buying car insurance.
  • Accident Free - Claim-free drivers pay less when compared with accident-prone drivers.
  • Employee of Federal Government - Employees or retirees of the government could cut as much as 10% off depending on your company.
  • Theft Prevention Discount - Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Safety Course Discount - Successfully completing a driver safety course could save 5% or more if your company offers it.
  • 55 and Retired - If you're over the age of 55, you may receive reduced rates.

As a disclaimer on discounts, most credits do not apply to the entire cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, car insurance companies aren't that generous.

To choose insurers with discount car insurance rates in Aliso Viejo, follow this link.

Car insurance ads bend the truth

Allstate, GEICO and Progressive consistently run ads on TV and radio. All the companies say the same thing about savings if you change to them. How can each company make the same claim?

Insurance companies can use profiling for the type of driver that makes them money. A good example of a profitable customer could be a mature driver, is a homeowner, and drives newer vehicles. Any new insured who fits that profile will qualify for the lowest rates and most likely will save when they switch companies.

Potential customers who fall outside the requirements must pay higher prices which usually ends up with business going elsewhere. The ad wording is "people who switch" not "people who quote" save money. That's why companies can truthfully claim big savings. This illustrates why you should get as many comparisons as possible. It's just too difficult to predict the company that will give you the biggest savings.

Learn more today

Even more information can be read at the California Department of Insurance website. Consumers can find out which companies have the most complaints, read industry bulletins, and download brochures.

Do the work, save more money

Cheap car insurance can be sourced from both online companies and with local Aliso Viejo insurance agents, and you need to price shop both so you have a total pricing picture. A few companies do not offer online price quotes and usually these small insurance companies provide coverage only through local independent agents.

Consumers leave their current company for many reasons like questionable increases in premium, high rates after DUI convictions, extreme rates for teen drivers or even policy non-renewal. Whatever your reason, finding the right car insurance provider is easier than you think.

When trying to cut insurance costs, it's a bad idea to buy poor coverage just to save money. In too many instances, an accident victim reduced full coverage and found out when filing a claim that it was a big mistake. Your focus should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.