Consumer Tested Strategies to Save on Cathedral City Car Insurance

Scraping up a payment for overpriced car insurance can dwindle your savings account and put a big crunch on your finances. Doing a price comparison is a great way to cut your insurance bill.

Multiple compete for your business, and because of this it can be hard to compare to get the lowest price

If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Choosing the best insurance company for you in Cathedral City is easy if you know what you're doing. But California consumers do need to know how companies sell online and use this information to your advantage.

Tips to Get Lower Cathedral City Rates

Consumers need to have an understanding of the factors that help determine the rates you pay for car insurance. Understanding what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

The following are a few of the "ingredients" used by your company to calculate premiums.

Liability coverage is peace of mind - Liability coverage is the protection if you are found liable for personal injury or accident damage. Liability insurance provides for a legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
Being married is a good thing - Having a spouse can get you a discount on car insurance. Having a spouse translates into being more mature than a single person and statistics show married drivers get in fewer accidents.
High deductibles save money - The deductibles represent how much money you are required to spend before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. The higher the amount you have to pay, the bigger discount you will receive.
Choose a safe vehicle and save - Vehicles with good safety scores get lower rates. Safe vehicles protect occupants better and any reduction in injury severity translates into savings for insurance companies and lower rates for you.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for car insurance? Occupations such as lawyers, social workers and accountants have higher rates than average due to stressful work requirements and lots of time spent at work. On the flip side, jobs such as pilots, athletes and performers get better rates.
Multi-policy discounts can save money - Many insurance companies will award you with lower prices to insureds who buy several policies from them. It's known as a multi-policy discount. This can amount to 10 percent or more. Even though this discount sounds good, it's still a good idea to comparison shop to verify if the discount is saving money.

Cathedral City Car Insurance Prices Online

All major car insurance companies such as Allstate, GEICO and Progressive give coverage price quotes on the web. Obtaining pricing is fairly simple as you just enter the coverages you want into the quote form. After the form is submitted, the system will obtain information on your driving record and credit history and returns pricing information based on many factors. Quoting online streamlines rate comparisons, but the time it takes to visit different websites and complete many quote forms is not the best way to spend an afternoon. Unfortunately, it is important to get many rate quotes in order to get a lower rate.

The preferred way to find lower prices makes use of a single form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes online shopping much more efficient. As soon as the form is sent, your coverage is rated and you can select any of the resulting price quotes. If you find a better price you simply finish the application and buy the policy. This process takes less than 15 minutes and may result in a nice savings.

In order to find out how much you're overpaying now, click here and complete the simple form. To compare your current rates, we recommend you copy your coverages identical to your current policy. This makes sure you will be getting a price comparison for the exact same coverage.

More discounts equal less premium

Auto insurance companies don't necessarily list all available discounts in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving.

Multiple Vehicles - Having multiple vehicles with the same company can get a discount on all vehicles.
Paperless Signup - A handful of insurance companies may give you up to $50 for buying a policy and signing up on their website.
Senior Citizens - If you're over the age of 55, you may be able to get a small decrease in premiums.
Claim Free - Drivers who don't have accidents can save substantially when compared with accident-prone drivers.
Theft Prevention System - Vehicles with anti-theft systems can help prevent theft and earn discounts up to 10%.
Auto/Home Discount - If you insure your home and vehicles with the same insurance company you could get a discount of approximately 10% to 15%.
Government Employees - Employees or retirees of the government may qualify you for a discount depending on your company.
Life Insurance Discount - Select insurance companies reward you with lower rates if you buy auto and life insurance together.
Fewer Miles Equal More Savings - Fewer annual miles can earn a substantially lower rate.

Consumers should know that some of the credits will not apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think having all the discounts means you get insurance for free, companies don't profit that way.

To choose insurers who offer car insurance discounts in Cathedral City, click here.

Switch companies and save? Really?

Allstate, GEICO and Progressive continually stream ads in print and on television. All the companies have a common claim that you'll save big after switching your coverage to them. How do they all claim to save you money? It's all in the numbers.

All the different companies have a preferred profile for the type of customer that makes them money. For example, a profitable customer might be between 25 and 40, insures multiple vehicles, and chooses high deductibles. Any driver that hits that "sweet spot" will qualify for the lowest rates and therefore will cut their rates substantially.

Potential insureds who do not match the "perfect" profile must pay more money and this can result in the customer not buying. The ad wording is "customers who switch" not "everyone that quotes" save that much money. This is how companies can state the savings. This illustrates why you need to quote coverage with many companies. You cannot predict which insurance companies will give you the biggest savings.

More detailed California car insurance information can be found at the California Department of Insurance website. Visitors are able to find out which companies have the most complaints, get help finding coverage, report car insurance fraud, and find disaster information.

Shop smart and save

Discount car insurance can be sourced both online as well as from independent agents in Cathedral City, so you should compare both to have the best chance of lowering rates. Some insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When buying insurance coverage, never reduce coverage to reduce premium. In too many instances, drivers have reduced uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. Your focus should be to get the best coverage possible at the best price while not skimping on critical coverages.