Burbank Car Insurance For Less Than You're Paying Now

Cutting costs on Burbank car insurance is hard for consumers new to buying insurance online. You have so many options available that it can quickly become a challenge to compare prices in Burbank.

It's important to take a look at other company's rates once or twice a year due to the fact that insurance rates are constantly changing. If you had the best rates a couple years back a different company probably has better rates today. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to find cheap car insurance.

Finding affordable coverage in Burbank is easy if you know what you're doing. If you are insured now or need new coverage, you can learn to find better prices while maintaining coverages. California vehicle owners just need to know the most effective way to compare prices online.

How much can you save with discounts?

Auto insurance companies don't necessarily list all their discounts very clearly, so the following is a list of both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit available, you are throwing money away.

  • Homeowners Pay Less - Owning a house in Burbank can help you save on car insurance because of the fact that having a home demonstrates responsibility.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • College Student - Kids in college living away from home attending college without a vehicle on campus can receive lower rates.
  • Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could save 15% off your PIP or medical payments premium.
  • Senior Citizens - If you qualify as a senior citizen, you can possibly qualify for better car insurance rates.
  • Employee of Federal Government - Active or retired federal employment can save as much as 8% with select insurance companies.
  • No Accidents - Claim-free drivers pay less as compared to drivers who are more careless.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you can get free auto insurance, companies wouldn't make money that way.

Burbank Rates are Influenced by These Factors

Smart consumers have a good feel for the different types of things that come into play when calculating the rates you pay for car insurance. Knowing what controls the rates you pay enables informed choices that may reward you with lower car insurance prices.

  • Pay less after the wedding - Getting married actually saves money on your policy. It means you're more mature than a single person it has been statistically shown that drivers who are married are more cautious.
  • Too many car insurance claims drive up costs - If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in California award lower rates to people who are claim-free. Auto insurance is intended for major claims that would cause financial hardship.
  • Save money with special equipment - Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder car theft.
  • Your location affects your rates - Being located in a rural area can be a good thing when talking about car insurance. Drivers who live in large cities tend to have much more traffic and longer commute times. Lower population translates into fewer accidents and a lower car theft rate.
  • Older drivers pay less - Youthful drivers in California tend to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to file fewer claims and are safer drivers.
  • Lower miles equals lower premium - The more you drive every year the more you will pay for car insurance. Most insurance companies charge to insure your cars based on how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates compared to those used for work or business. Make sure your car insurance policy shows the correct driver usage.
  • Allowing your policy to lapse raises rates - Not having insurance is against the law and as a result your rates will increase for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance will get you a revoked license or a big fine.Then you may be required to provide proof of insurance in the form of an SR-22 filing with the California motor vehicle department to get your license reinstated.

Save 15 percent in 15 minutes? Is it for real?

Consumers in California get pounded daily by advertisements for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to make an identical promise that you'll save big if you move to their company.

How does each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that earns them a profit. A good example of a desirable insured might be a mature driver, has no tickets, and drives less than 10,000 miles a year. Any driver who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when switching.

Potential insureds who don't meet these standards will have to pay more money and ends up with the customer not buying. The ad wording is "drivers who switch" but not "drivers who get quotes" save that much. That's why companies can advertise the way they do. Because of the profiling, drivers should quote coverage with many companies. You cannot predict the company that will provide you with the cheapest rates.

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

Also read more on this page for California car insurance and this page for help finding agents in Burbank, CA.

compare Burbank car insurance rates

And the best car insurance company is...

Budget-conscious car insurance is possible both online and also from your neighborhood Burbank agents, and you need to price shop both to have the best chance of lowering rates. Some car insurance companies may not provide you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.

People who switch companies do it for any number of reasons including an unsatisfactory settlement offer, extreme rates for teen drivers, unfair underwriting practices and even delays in paying claims. It doesn't matter what your reason, switching car insurance companies is less work than it seems.

As you go through the steps to switch your coverage, make sure you don't skimp on coverage in order to save money. In many cases, an insured dropped full coverage and found out when filing a claim that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage for the lowest price.