Bell Auto Insurance For Less Than You're Paying Now

Finding low-cost Bell auto insurance on the internet is difficult for beginners to online price comaprisons. With so many online companies, how can you effectively compare every one to find the best available price?

More discounts equal less premium

Car insurance companies don't list all available discounts very clearly, so here is a list both well-publicized and the more hidden auto insurance savings. If you're not getting every credit you deserve, you're just leaving money on the table.

Multiple Vehicles - Having multiple vehicles on one policy could earn a price break for each car.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance.
Paperless Signup - A few companies will discount your bill up to fifty bucks for buying your policy over the internet.
Student in College - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
Auto/Home Discount - When you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
Driver Safety - Successfully completing a course in driver safety could cut 5% off your bill depending on where you live.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren't that generous.

For a list of insurers who offer auto insurance discounts in California, follow this link.

Where Can I Get Cheap Bell Auto Insurance?

Most major insurance companies like Allstate, GEICO and Progressive provide coverage prices on their websites. This process is pretty painless as you just enter your required coverages into the quote form. Once entered, the company's rating system will obtain credit information and your driving record and provides a quote based on many factors.

Quoting online helps simplify price comparisons, but the work required to visit each company's website and repetitively fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to compare as many rates as possible if you want to find a lower rate.

A more efficient way to compare auto insurance pricing uses one form to get prices from several different companies. It's a real time-saver, eliminates form submissions, and makes quoting online much easier. After your information is entered, it gets priced and you can select any one of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and buy the policy. The whole process only takes a few minutes and you'll know if lower rates are available.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you type in the limits and deductibles identical to your current policy. This helps ensure you will receive comparison quotes based on identical coverages.

It's not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

Am I covered when driving on a suspended license?
When does my teenage driver need to be added to my policy?
What are the financial responsibility laws in California?
Does my liability insurance cover pulling a trailer or camper?
Can I afford to buy a different vehicle if my vehicle is totaled?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form. It's fast, free and can provide invaluable advice.

And the best car insurance company is...

Cheap auto insurance can be purchased online and also from your neighborhood Bell agents, and you should compare price quotes from both to have the best rate selection. Some companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice liability limits or collision coverage only to find out they didn't purchase enough coverage. Your focus should be to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

You just read a lot of tips how to get a better price on auto insurance. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates come from a company that doesn't do a lot of advertising.