Top 9 Ways to Save Money on Car Insurance in Clearlake Oaks

Having to pay for overpriced car insurance can drain your bank account and force you to make sacrifices. Comparing price quotes is a great way to cut your insurance bill. You have so many to buy insurance from, and although it's a good thing to be able to choose, lots of choices makes it harder to compare rates.

Choosing the best insurance company for you in Clearlake Oaks is quite easy. If you have a policy now or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. California drivers only need an understanding of the best way to shop their coverage around on the web.

compare Clearlake Oaks car insurance rates

Free Clearlake Oaks Car Insurance Quotes

All major car insurance companies like State Farm, Allstate and GEICO quote coverage price quotes directly from their websites. Getting quotes doesn't take a lot of time as you simply type in your coverage information into the quote form. After the form is submitted, their rating system will obtain your credit score and driving record and gives you a price quote. Quoting online makes it a lot easier to compare rates but the process of having to visit different websites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to compare as many rates as possible if you are searching for a lower rate.

There is an easier way!

The preferred way to locate the lowest prices is to use a quote form that gets prices from multiple companies. It's a real time-saver, reduces the work, and makes price shopping online much easier to do. Once the form is submitted, it is quoted with multiple companies and you can pick any one of the resulting price quotes. If you find a better price you can click and sign and buy the policy. It just takes a couple of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended that you enter the coverages exactly as they are listed on your policy. This makes sure you will get a price comparison for the exact same coverage.

More discounts equal less premium

Car insurance companies don't always list every discount very clearly, so we researched some of the more common and also the lesser-known discounts you could be receiving. If you're not getting every credit you deserve, you are paying more than you should be.

  • Pay Now and Pay Less - By paying your policy upfront instead of making monthly payments you could save 5% or more.
  • 55 and Retired - If you're over the age of 55, you may receive a discount up to 10%.
  • Low Mileage Discounts - Low mileage vehicles could be rewarded with a substantially lower rate.
  • Accident Waiver - Certain companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Military Discounts - Being deployed with a military unit could be rewarded with lower premiums.
  • Multiple Cars - Having all your vehicles with the same company can get a discount on all vehicles.
  • Own a Home - Simply owning a home can save you money because maintaining a house shows financial diligence.
  • Discount for Swiching Early - Some companies give discounts for switching to them prior to your current policy expiration. The savings is around 10%.

It's important to understand that some credits don't apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like you could get a free car insurance policy, it doesn't quite work that way.

To choose insurance companies with discount car insurance rates in California, click here.

Switch companies and save? Really?

Consumers can't ignore all the ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all have a common claim of big savings if you change your policy.

How does each company make the same claim? It's all in the numbers.

Different companies have a preferred profile for the right customer that makes them money. For instance, a driver they prefer could be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. Any new insured that hits that "sweet spot" will get the preferred rates and therefore will save when switching.

Potential customers who do not match these standards will be quoted higher prices and this can result in business going elsewhere. The ads state "customers who switch" not "everyone that quotes" save that kind of money. This is how insurance companies can confidently state the savings. This emphasizes why you need to get as many comparisons as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

It's not one size fits all

When buying the best car insurance coverage for your personal vehicles, there isn't really a "perfect" insurance plan. Your needs are not the same as everyone else's and your policy should reflect that. Here are some questions about coverages that may help you determine if you will benefit from professional help.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need special endorsements for business use of my vehicle?

If you can't answer these questions but a few of them apply, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

More tips and info about car insurance is located at the California Department of Insurance website. Consumers can view a list of available companies, learn about insurance regulations, discover disciplinary actions, and read consumer alerts.

Clearlake Oaks car insurance comparison

Best coverage at the best price

As you restructure your insurance plan, never reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Low-cost car insurance is attainable from both online companies in addition to many Clearlake Oaks insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies do not provide online price quotes and these small, regional companies work with independent agents.