9 Simple Tricks to Cut Car Insurance Costs in Beaumont, CA

Sick and tired of paying out the nose each month for car insurance? You are in the same boat as many other California drivers.

Big companies like State Farm, Allstate, GEICO and Progressive continually hit you with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It's important to compare prices once or twice a year since rates are constantly changing. Just because you found the best deal a couple years back a different company probably has better rates today. So forget all the misinformation about car insurance because we're going to show you the proper way to find lower rates on car insurance.

If you currently have a car insurance policy, you should be able to save some money using these techniques. Choosing the best insurance company for you in Beaumont is not that difficult. Although California consumers do need to know the way insurance companies sell online and take advantage of how the system works.

Don't pay full price with these nine discounts

Car insurance can cost a lot, but discounts can save money and there are some available that you may not know about. Larger premium reductions will be automatically applied when you purchase, but some must be asked about before being credited.

  • Passive Restraints - Vehicles with factory air bags can qualify for discounts of 20% or more.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations - Being a member of a civic or occupational organization could trigger savings on your policy.
  • Auto/Life Discount - Companies who offer life insurance give better rates if you take out life insurance.
  • Claim Free - Claim-free drivers can earn big discounts compared to drivers who are more careless.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to take driver's ed class if offered at their school.
  • Employee of Federal Government - Active or retired federal employment could cut as much as 10% off with certain companies.
  • Good Students Pay Less - Performing well in school can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • E-sign - A few companies may give you up to $50 for buying your policy digitally online.

A little note about advertised discounts, most discount credits are not given to the entire cost. Most cut specific coverage prices like medical payments or collision. So when it seems like all the discounts add up to a free policy, you won't be that lucky. Any amount of discount will reduce your premiums.

California car insurance

The car insurance bait and switch

Companies like State Farm and Allstate consistently run ads in print and on television. All the ads make the same claim about savings if you change your coverage to them. How can each company claim to save you money? It's all in the numbers.

Insurance companies can use profiling for the type of customer that earns them a profit. An example of a preferred risk might be a mature driver, has no tickets, and drives less than 10,000 miles a year. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Consumers who don't measure up to the requirements will be charged higher prices which leads to the customer not buying. The ads say "customers who switch" not "everyone that quotes" save that much money. That's why companies can truthfully advertise the way they do.

That is why drivers should compare many company's rates. It's just too difficult to predict the company that will provide you with the cheapest rates.

More California car insurance information

Additional information is available on the website for the California Department of Insurance found here. Visitors are able to find out industry alerts, view a list of available companies, find out which companies have the most complaints, and file complaints about an insurance agent or broker.

compare Beaumont car insurance rates

Shop smart and save

We just covered some good ideas how to reduce car insurance prices online. It's most important to understand that the more you quote, the higher your chance of finding lower rates. Consumers may even find the best price on car insurance is with some of the smallest insurance companies. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .

The cheapest car insurance can be sourced both online as well as from independent agents in Beaumont, and you need to price shop both in order to have the best price selection to choose from. Some car insurance companies don't offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.