Car Insurance in Anaheim California - 8 Tips to Save Money

Have you had enough of scraping the payment together each month for car insurance? You're in the same situation as many other California drivers.

Because you have many car insurance companies to choose from, it can be challenging to choose the most affordable insurance company.

Finding affordable coverage in Anaheim is quite easy. If you have car insurance now, you will most likely be able to lower your premiums substantially using this information. Nevertheless, California car owners do need to know how companies price insurance differently and use this information to your advantage.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise all available discounts very well, so we break down some of the more common and the harder-to-find savings tricks you should be using.

  • Club Memberships - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Auto/Home Discount - When you have multiple policies with one company you will save up to 20% off your total premium.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Anti-theft Discount - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Homeowners Pay Less - Owning a home in Anaheim can help you save on car insurance due to the fact that maintaining a home is proof that your finances are in order.
  • Driver's Ed - Require your teen driver to enroll in driver's education if it's offered in school.
  • Driver Safety - Completing a driver safety course could save 5% or more depending on where you live.

Consumers should know that most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurers who offer car insurance discounts in California, click here to view.

How to Compare Car Insurance Costs in Anaheim

There are several ways you can shop for car insurance and some are easier and takes less work. You can waste hours talking to insurance companies in Anaheim, or you can stay home and use the web to get the quickest rates.

Most car insurance companies enroll in a system that allows shoppers to submit one quote, and each company returns a rated price based on the submitted data. This saves time by eliminating form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only drawback to pricing coverage this way is you cannot specify the companies you want pricing from. So if you want to select specific providers to compare rates, we have a listing of the cheapest car insurance companies in California. Click to view list.

It's up to you which method you use, but double check that you are using apples-to-apples information with every price quote. If each company quotes higher or lower deductibles you will not be able to find the best deal in Anaheim. Quoting even small variations in coverage limits may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding the best price.

Affordable insurance is out there

Cost effective car insurance can be purchased from both online companies and also from your neighborhood Anaheim agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you prepare to switch companies, do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.