7 Discounts Coachella Shoppers Forget when Buying Car Insurance

I can't think of anyone who likes having to buy car insurance, especially when their premiums are through the roof. Because you have many different company options, it is hard for the average consumer to pick the lowest price car insurance company.

It's important to do rate comparisons periodically since rates are constantly changing. If you had the lowest rates a few years ago other companies may now be cheaper. So just forget anything you know (or think you know) about car insurance because we're going to show you the tricks you need to know to remove unneeded coverages and save money.

Coachella Car Insurance Comparisons

Lowering your car insurance rates is a fairly straight forward process. Consumers just need to take time getting comparison quotes provided by online insurance companies. This can be accomplished in just a few minutes using one of these methods.

  • The easiest and least time consuming way to get the best comparison quotes is a comparison rater form like this one (opens in new window). This method saves time by eliminating repetitive form entry for every car insurance company. Just one form will return price quotes direct from many companies.
  • A different way to shop for car insurance online consists of visiting the website for each individual company to complete a price quote. For sake of this example, we'll pretend you want to compare , and . To get rate quotes you would need to spend time on each company's site to enter your coverage information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Coachella, click here.
  • The least efficient method of comparing rate quotes is to drive around to different Coachella agent offices. The internet has reduced the need for local agents unless you have a need for the professional advice of a local Coachella agent. You can, however, get prices online but buy from a local insurance agent and we'll cover that in a bit.

It doesn't matter which method you choose, just be sure to compare apples-to-apples deductibles and coverage limits with each company. If each company quotes different values for each quote it will be very difficult to make an equal comparison in Coachella.

California car insurance quotes

Insurance agents can help

When choosing adequate coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions may help highlight whether your personal situation may require specific advice.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Does my insurance cover a custom paint job?
  • Does medical payments coverage apply to all occupants?

If you don't know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

In the end, you save

As you shop your coverage around, do not skimp on critical coverages to save a buck or two. In many instances, someone dropped uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to get the best coverage possible for the lowest price.

You just learned a lot of tips how to shop for car insurance online. The key concept to understand is the more rate quotes you have, the better chance you'll have of finding lower rates. You may even discover the biggest savings come from a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like .