Top 7 Ways to Pay Less on Car Insurance in Colfax

I can't think of anyone who looks forward to paying for car insurance, particularly when the cost is way too high. Popular companies such as GEICO and Progressive continually hit you with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have a policy now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. Finding affordable coverage in Colfax is quite easy. California drivers only need an understanding of the most effective way to compare prices on the web.

Vehicle Insurance Comparison

Performing a rate comparison is a ton of work if you aren't aware of the best way to get rate quotes. You can spend countless hours talking to insurance agencies in Colfax, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

The majority of car insurance companies participate in an industry program that allows shoppers to submit their information once, and each participating company returns a rated price. This eliminates the need for quote forms for each company you want a rate for.

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

The one downside to comparing rates this way is you are unable to specify the providers you want pricing from. So if you prefer to choose specific providers to compare, we have a listing of the cheapest car insurance companies in California. Click here to view list.

Whichever way you use, be sure to compare exactly the same coverage limits on every quote you get. If you are comparing differing limits it will be very difficult to determine which rate is truly the best in Colfax.

How much can you save with these seven discounts?

Insurance can cost an arm and a leg, but there are discounts available to help bring down the price. Larger premium reductions will be automatically applied when you quote, but a few need to be manually applied before you get the savings. If you aren't receiving every discount you qualify for, you're paying more than you need to.

  • Homeowners Savings - Owning a home in Colfax may trigger a car insurance policy discount because maintaining a house is proof that your finances are in order.
  • Passive Restraints and Air Bags - Vehicles equipped with air bags or motorized seat belts can qualify for discounts of up to 25% or more.
  • Military Rewards - Having a deployed family member could be rewarded with lower premiums.
  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% depending on your company.
  • Auto/Home Discount - When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • Discount for Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies don't profit that way. Any qualifying discounts will reduce the amount you have to pay.

To see a list of insurers with discount car insurance rates in Colfax, follow this link.

How much car insurance do I need?

When choosing the right insurance coverage for your vehicles, there really is not a "best" method to buy coverage. Everyone's situation is unique so your insurance needs to address that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • When do I need to add a new car to my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Am I covered when delivering products for my home-based business?
  • Do I have coverage for damage caused while driving under the influence?
  • What are the best liability limits?
  • Should I buy only the required California minimum liability coverage?

If you don't know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and may give you better protection.

Additional car insurance information can be found on the website for the California Department of Insurance. Click here for link. Visitors are able to report car insurance fraud, file complaints about a company, find disaster information, and download brochures.