7 Tricks to Save on Car Insurance in Angels Camp

Did you fall for a flashy sales pitch and buy high-priced car insurance? Trust us when we tell you there are many people just like you.

Since consumers have many companies and agents to choose from, it can be hard to pick the cheapest company.

It's important to do rate comparisons every six months since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago the chances are good that you can find a lower rate today. So just block out anything you think you know about car insurance because we're going to show you the proper way to remove unneeded coverages and save money.

More discounts equal less premium

Companies that sell car insurance don't list all their discounts very well, so here is a list some of the more common as well as the least known ways to save on car insurance.

  • 55 and Retired - Mature drivers may be able to get reduced rates.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.
  • College Student - Any of your kids who live away from home and do not have access to a covered vehicle may be able to be covered for less.
  • Braking Control Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Theft Prevention System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Sign Online - A handful of insurance companies will give a small break for buying your policy online.
  • Drive Less and Save - Fewer annual miles can qualify you for better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates all those discounts means the company will pay you, you won't be that lucky.

To see a list of companies who offer car insurance discounts in California, click this link.

Angels Camp car insurance comparison

Comprehensive Angels Camp Car Insurance Comparison

Most companies provide pricing on the web. Getting quotes is pretty easy as you just type in the coverages you want into the quote form. Once you submit the form, their rating system will obtain your driving record and credit report and returns pricing information determined by many factors. This makes comparing rates easy, but the time it takes to visit a lot of sites and type in the same information is repetitive and time-consuming. Unfortunately, it is important to do this if you want to find a lower rate.

The preferred way to lower your rates is to use a quote form that gets price quotes from many companies. It's a real time-saver, requires less work, and makes quoting online much more efficient. As soon as you send your information, it gets priced and you can select any or none of the price quotes you receive. If a lower price is quoted, you simply finish the application and buy the new coverage. The whole process only takes a few minutes and you will find out if you're overpaying now.

To find out how much you're overpaying now, click here and begin entering your coverage information. If you have a policy now, it's recommended you complete the form with the coverage information as close as possible to your current policy. This makes sure you will receive a fair comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm continually stream ads in print and on television. They all seem to make the same claim about savings after switching to them. But how can every company make the same claim?

All the different companies are able to cherry pick for the type of driver that is profitable for them. An example of a desirable insured could be between the ages of 30 and 50, has no driving citations, and drives less than 7,500 miles a year. Any new insured who matches those parameters will qualify for the lowest rates and therefore will save a lot of money.

Consumers who do not match this ideal profile will have to pay higher rates which leads to business going elsewhere. The ad wording is "customers that switch" not "everyone that quotes" save money. That's the way companies can truthfully advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Do the work, save more money

When shopping online for car insurance, do not reduce coverage to reduce premium. There are many occasions where someone sacrificed liability limits or collision coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

Cheaper car insurance can be bought from both online companies and with local Angels Camp insurance agents, and you should compare price quotes from both to get a complete price analysis. Some car insurance companies do not offer the ability to get a quote online and most of the time these smaller companies sell through independent agents.

Learn more about California car insurance

Even more information is available at the California Department of Insurance website. Consumers can read enforcement actions against agents and companies, report car insurance fraud, find out industry alerts, and read consumer alerts.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Angels Camp.