5 Ways You Can Buy Car Insurance for Less in Bermuda Dunes California

Comparison shopping for Bermuda Dunes car insurance is a challenge for consumers new to comparing rates online. There are so many options available that it can turn into more work than you anticipated to find lower rates in Bermuda Dunes.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. The purpose of this post is to instruct you on how to effectively get price quotes and some money-saving tips. But California car owners do need to know how companies sell online and apply this information to your search.

Policy discounts you shouldn't miss

Auto insurance companies don't list every discount in an easy-to-find place, so we took the time to find some of the more common and also the lesser-known car insurance savings.

Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class if it's offered in school.
Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
Paperwork-free - A handful of insurance companies will give a small break for buying a policy and signing up on their website.
Driver Safety - Taking part in a driver safety course could save 5% or more if you qualify.
Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, companies don't profit that way.

Save $429 a year? Really?

Car insurance providers like State Farm, Allstate and GEICO continually stream television and radio advertisements. They all say the same thing that you'll save big after switching to them. How do they all make the same claim? It's all in the numbers.

All the different companies can use profiling for the type of driver that earns them a profit. For example, a driver they prefer could be between 25 and 40, has no tickets, and has a short commute. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will be quoted more money which usually ends up with business going elsewhere. The ads state "customers who switch" but not "drivers who get quotes" save money. That's why companies can make the claims of big savings. This emphasizes why you should quote coverage with many companies. It's just too difficult to predict the company that will fit your personal profile best.

More California car insurance information

More detailed California car insurance information can be found at the California Department of Insurance website. Consumers can download brochures, view a list of available companies, and get help finding coverage.

Final considerations

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, unfair underwriting practices, an unsatisfactory settlement offer and even questionable increases in premium. No matter why you want to switch, finding a new car insurance company is less work than it seems.

Discount car insurance can be sourced from both online companies and with local Bermuda Dunes insurance agents, so you should compare both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you shop your coverage around, you should never buy lower coverage limits just to save a few bucks. There have been many situations where an insured dropped physical damage coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.