Antioch Auto Insurance For Less Than You're Paying Now

Finding affordable Antioch auto insurance online is challenging for people who are new to shopping for insurance online. With dozens of companies competing online, how can you possibly compare them all to find the best price?

It's important to compare prices quite often since insurance rates are constantly changing. Even if you got the best rates last year you may be paying too much now. You can find a lot of wrong information about auto insurance online, so we're going to give you some great ways to slash your auto insurance rates.

Free Antioch Auto Insurance Quotes

Getting better auto insurance pricing isn't really that difficult. You just have to invest a little time comparing rates from different insurance companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This type of form saves time by eliminating separate quotation requests for each company you want a rate for. One form gets rate comparisons from auto insurance companies with the best prices. It's the fastest way to compare.

A less efficient way to get quotes online is spending the time to visit each company website to complete a price quote. For examples sake, let's assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker. To view a list of companies in Antioch, click here.

However you get your quotes, make darn sure you compare the exact same information for every company. If you use higher or lower deductibles then you won't be able to decipher which rate is best in Antioch.

How to Lower your Auto Insurance Rates

It's important that you understand the factors that help determine auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

Traffic citations inflate rates - Even a single ticket can bump up the cost twenty percent or more. Drivers who don't get tickets get better rates compared to drivers with tickets. Drivers who get flagrant violations such as DUI or reckless driving may be required to file a SR-22 with the DMV in their state in order to keep their license.
Older drivers save more - More mature drivers tend to be more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to be more careless when driving therefore auto insurance rates are much higher.
Where do you drive? - Driving more miles in a year's time the higher your rates will be. Almost all companies price each vehicle's coverage based upon how you use the vehicle. Cars used primarily for pleasure use get more affordable rates than those used for commuting. Double check that your auto insurance coverage is showing the proper vehicle usage.
Higher safety ratings means cheaper insurance - Vehicles with high crash test scores get lower rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies and lower rates for you.
Lower rates with optional equipment - Purchasing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping auto theft.

Save big with these discounts

Car insurance can cost a lot, but discounts can save money and there are some available to reduce the price significantly. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked for in order for you to get them. If they aren't giving you every credit you deserve, you're just leaving money on the table.

Good Student Discount - Getting good grades can earn a discount of 20% or more. The good student discount can last well after school through age 25.
Resident Student - Youth drivers living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Life Insurance Discount - Companies who offer life insurance give lower rates if you buy life insurance.
Low Mileage - Fewer annual miles could qualify for a substantially lower rate.
Payment Method - By paying your policy upfront rather than paying monthly you could save up to 5%.
Multiple Vehicles - Insuring multiple vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, some of the credits will not apply to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will cut your overall premium however.

For a list of providers who offer auto insurance discounts in Antioch, click here.

But I don't know anything about car insurance

When it comes to choosing coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine if your situation would benefit from professional advice.

Do I need to file an SR-22 for a DUI in California?
Do I pay less if my vehicle is kept in my garage?
What happens if I owe more than my vehicle is worth?
Is my dog or cat covered if injured in an accident?
Do I have any recourse if my insurance company denies a claim?
Am I covered when driving on a suspended license?
Can I get a multi-policy discount for packaging my home and auto coverage?
What are the best liability limits?

If you can't answer these questions, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It's fast, free and you can get the answers you need.

Additional information can be read on the California Department of Insurance website found here. California drivers can file complaints about a company, read enforcement actions against agents and companies, and file complaints about an insurance agent or broker.

Best coverage at the best price

In this article, we covered a lot of techniques to lower your auto insurance rates. The most important thing to understand is the more you quote, the better likelihood of reducing your rate. Consumers could even find that the best price on auto insurance is with some of the smallest insurance companies.

When trying to cut insurance costs, you should never reduce needed coverages to save money. There have been many cases where drivers have reduced full coverage and found out when filing a claim that it was a big mistake. Your goal should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Cheaper auto insurance can be purchased on the web as well as from independent agents in Antioch, and you need to price shop both in order to have the best chance of saving money. A few companies don't offer online quoting and many times these small insurance companies only sell through independent insurance agents.