Compare Burlingame Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance options in Burlingame? Many other drivers are as well. Consumers have so many choices that it can turn into a big hassle to locate the lowest price.

It's important to compare prices every six months because prices are constantly changing. Just because you found the lowest rates last year you will most likely find a better rate today. So block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to find lower rates on auto insurance.

Finding affordable coverage in Burlingame is easy if you know what you're doing. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. But California consumers do need to know the way insurance companies sell online and use this information to your advantage.

Be sure to get all your discounts

Companies don't always advertise all their discounts very clearly, so we break down both the well known and the harder-to-find auto insurance savings.

  • Senior Citizens - If you qualify as a senior citizen, you may receive a small decrease in premiums.
  • Clubs and Organizations - Being a member of a qualifying organization could qualify you for a break on auto insurance.
  • Multiple Cars - Buying insurance for all your vehicles on one policy qualifies for this discount.
  • Sign Online - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Pay Now and Pay Less - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Discount for Life Insurance - Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • No Charge for an Accident - Certain companies will allow you to have one accident before your rates go up as long as you don't have any claims prior to the accident.
  • Homeowners Discount - Owning a house in Burlingame may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.

Drivers should understand that most credits do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like it's possible to get free car insurance, companies wouldn't make money that way.

Burlingame auto insurance comparison

Is there truth in advertising?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm consistently run television and radio advertisements. They all seem to say the same thing that you'll save big if you change your coverage to them. How does each company claim to save you money? This is how they do it.

All companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be a mature driver, has no driving citations, and has great credit. A customer getting a price quote who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Potential customers who don't measure up to these standards will have to pay higher prices which usually ends up with the customer not buying. Company advertisements say "drivers who switch" but not "drivers who get quotes" save that much money. That's the way companies can advertise the savings. Because of the profiling, you should compare many company's rates. It's impossible to know which auto insurance company will give you the biggest savings.

More detailed California auto insurance information can be found at the California Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out which companies have the most complaints, and get help finding coverage.

Affordable insurance is out there

As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. There are many occasions where someone sacrificed uninsured motorist or liability limits only to regret that the small savings ended up costing them much more. Your aim should be to buy the best coverage you can find for the lowest price.

Budget-conscious auto insurance can be sourced both online as well as from independent agents in Burlingame, and you need to price shop both so you have a total pricing picture. There are still a few companies who don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Consumers leave their current company for any number of reasons including not issuing a premium refund, questionable increases in premium, lack of trust in their agent and even an unsatisfactory settlement offer. Regardless of your reason, switching auto insurance companies is less work than it seems.