Lower Online Brea Auto Insurance Prices With These Tricks

If you've never shopped for auto insurance online, you may be overwhelmed by the sheer number of auto insurance companies selling insurance in Brea.

It's important to price shop coverage periodically because prices are constantly changing. If you had the best deal a couple years back there may be better deals available now. Starting now, forget anything you know (or think you know) about auto insurance because you're going to get a crash course in the only way to lower your annual insurance bill.

Brea auto insurance comparison

Take advantage of discounts

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings. If you don't get every credit you qualify for, you're just leaving money on the table.

  • Save with a New Car - Insuring a new car can save up to 30% since new cars are generally safer.
  • Passive Restraints and Air Bags - Factory air bags or motorized seat belts can receive discounts up to 30%.
  • Federal Employees - Simply working for the federal government 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.
  • Homeowners Savings - Owning a house in Brea can save you money because of the fact that having a home requires personal responsibility.

It's important to note that some credits don't apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you can get free auto insurance, you're out of luck. But any discount will help reduce your overall premium however.

For a list of companies with the best auto insurance discounts in California, click here.

Brea Auto Insurance Comparisons

Finding a better price on auto insurance can be surprisingly simple. Just take a few minutes getting comparison quotes provided by online insurance companies. This can be accomplished using a couple different methods.

One of the best ways consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for a different quote for every auto insurance company. Just one form gets you coverage quotes . This is by far the quickest method.

A slightly less efficient method to compare rate quotes consists of going to each company's website and request a quote. For instance, let's assume you want to compare , and . To get rate quotes you would need to go to every website to enter your coverage information, and that's why the first method is more popular. To view a list of companies in Brea, click here.

The most time-consuming method of comparing rate quotes is driving to insurance agents' offices. The ability to buy insurance online makes this process obsolete unless you have a need for the professional advice of a local Brea agent. It is possible to compare online quotes and still use a local agent. We'll cover that shortly.

Whichever method you choose, be sure to compare apples-to-apples coverages with every price quote. If you are comparing different limits and deductibles on each one you will not be able to find the best deal in Brea.

How to know if you need help

When it comes to choosing proper insurance coverage for your vehicles, there really is no perfect coverage plan. Every insured's situation is different.

These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered if I drive in a foreign country?
  • Do I need special endorsements for business use of my vehicle?
  • Does my policy cover my teen driver if they drive my company car?
  • Are my tools covered if they get stolen from my vehicle?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form. It's fast, free and may give you better protection.

And the best car insurance company is...

As you go through the steps to switch your coverage, do not sacrifice coverage to reduce premiums. There are many occasions where someone dropped comprehensive coverage or liability limits to discover at claim time that the savings was not a smart move. Your aim should be to buy the best coverage you can find for the lowest price.

We covered a lot of ways to get a better price on auto insurance. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, poor customer service, extreme rates for teen drivers and policy cancellation. No matter why you want to switch, switching auto insurance companies is not as hard as you think.