How to Know You're Throwing Money Away for Auto Insurance in Bass Lake

Are you tired of being strong-armed each month for car insurance? You're in the same situation as many other California drivers.

Because you have many companies to choose from, it's nearly impossible to locate the lowest cost company.

It's important to compare prices before your policy renews since insurance rates are constantly changing. If you had the lowest rates a few years ago you will most likely find a better rate today. So just forget all the misinformation about auto insurance because it's time to teach you the tricks you need to know to find lower rates on auto insurance.

Buying car insurance in Bass Lake is not that difficult. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Although California vehicle owners do need to know the way insurance companies market on the web and use this information to your advantage.

Take advantage of discounts

Companies don't always list all their discounts very well, so we break down some of the best known and the harder-to-find discounts you could be receiving.

  • Senior Discount - If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates.
  • Seat Belt Usage - Buckling up and requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Sign Online - Certain companies give back up to $50 for buying your policy online.
  • Clubs and Organizations - Affiliation with a professional or civic organization may earn a discount on auto insurance.

A little note about advertised discounts, some of the credits will not apply to the entire cost. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears it's possible to get free car insurance, you won't be that lucky.

Bass Lake auto insurance comparison

Are auto insurance companies telling the truth?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm regularly use ads on TV and radio. They all seem to have a common claim about savings if you move to their company. But how can every company say the same thing? This is how they do it.

All companies can use profiling for the driver that earns them a profit. For example, a desirable insured might be profiled as a mature driver, is a homeowner, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" will qualify for the lowest rates and most likely will save a lot of money.

Potential customers who don't qualify for this ideal profile will have to pay a higher premium and this can result in business not being written. The ad wording is "drivers who switch" not "people who quote" save that much. That's why companies can truthfully advertise the way they do. Because of the profiling, you should compare many company's rates. It's not possible to predict the company that will provide you with the cheapest rates.

Even more information can be found at the California Department of Insurance website. California drivers can learn about insurance regulations, find a variety of consumer forms, download brochures, and read consumer alerts.

Also read more on this Car Insurance FAQ and this page of insurance agents in Bass Lake.

The best insurance company isn't always the cheapest

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.

The cheapest auto insurance is definitely available on the web and also from your neighborhood Bass Lake agents, and you need to price shop both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.