10 Discounts Carmichael Drivers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy high-priced car insurance? Believe me when I say many consumers are feeling buyer's remorse and feel like there's no way out. Numerous battle for your insurance dollar, so it can be very hard to choose a and uncover the absolute lowest price

It's important to compare prices every six months since rates are constantly changing. If you had the best price six months ago you can probably find a lower rate today. Block out anything you think you know about car insurance because I'm going to let you in on the secrets to one of the easiest ways to find great coverage at a great price.

California car insurance

How to Compare Car Insurance in Carmichael, California

There are multiple methods to compare car insurance prices and some are easier and takes less work. You can spend countless hours talking to insurance agencies in Carmichael, or you can utilize the internet to accomplish the same thing much quicker.

The majority of car insurance companies enroll in a system that enables customers to send in one quote, and each company can provide price quotes based on that information. This saves time by eliminating quote forms to each individual car insurance company.

To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you are unable to specify the providers you will receive quotes from. If you prefer to choose specific insurance companies to compare rates, we put together a list of low cost car insurance companies in California. View list of California insurance companies.

It's your choice how you get your quotes, but ensure you are comparing the exact same deductibles and coverage limits for every quote you compare. If the quotes have different values for each quote it will be next to impossible to determine the best price in Carmichael.

Don't pay full price with these ten discounts

Auto insurance companies don't necessarily list every available discount in an easy-to-find place, so we took the time to find both the well known and the more hidden savings tricks you should be using. If they aren't giving you every credit possible, you're paying more than you need to.

  • Discount for Good Grades - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Memberships - Being a member of certain professional organizations is a good way to get lower rates on your policy.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • More Vehicles More Savings - Having multiple cars or trucks on the same car insurance policy could earn a price break for each car.
  • Life Insurance - Companies who offer life insurance give lower rates if you buy auto and life insurance together.
  • No Charge for an Accident - A few companies permit an accident before raising your premiums if you are claim-free for a particular time prior to the accident.
  • Air Bag Discount - Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount with certain companies.
  • Defensive Driving Course - Taking part in a defensive driving course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts can save up to 15% off the personal injury premium cost.

As a disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous.

To see a list of providers with the best car insurance discounts in Carmichael, click here to view.

Learn more about California car insurance

Even more information can be found at the California Department of Insurance website. Visitors are able to file complaints about a company, find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.