Top 5 Ways to Get Lower Rates on Car Insurance in Culver City, CA

Are you intimidated by the sheer number of car insurance companies in Culver City? Many other consumers are too. People have so many companies to choose from that it can turn into more work than you anticipated to find better rates.

The purpose of this post is to help educate you on how to get online quotes and some money-saving tips. If you are paying for car insurance now, you will most likely be able to lower your premiums substantially using these techniques. But California car owners do need to know the way companies market insurance on the web and use this information to your advantage.

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be manually applied prior to getting the savings.

  • Memberships - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.
  • Safety Course Discount - Taking part in a driver safety course could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
  • Driver's Ed - Have your child enroll in driver's education if offered at their school.
  • Federal Government Employee - Being employed by or retired from a federal job may qualify you for a discount depending on your company.

Consumers should know that most discounts do not apply to all coverage premiums. Most cut individual premiums such as physical damage coverage or medical payments. So when the math indicates all those discounts means the company will pay you, companies don't profit that way. But all discounts will help reduce your premiums.

To see a list of insurers with discount car insurance rates in California, click here to view.

How to Compare Car Insurance in Culver City, California

Most companies give coverage price quotes on the web. Getting quotes doesn't take a lot of time as you just enter the coverages you want into the quote form. Once you submit the form, their rating system will obtain your driving and credit reports and quotes a price based on these factors.

This makes it a lot easier to compare rates but having to visit different websites and enter the same data into a form is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to get a lower rate.

The preferred way to lower your rates is to use a quote form to get prices from several different companies. It's a real time-saver, eliminates repetitive work, and makes quoting online a lot less work. After sending the form, your coverage is rated with multiple companies and you can pick any or none of the price quotes you receive.

If a lower price is quoted, it's easy to complete the application and buy the new coverage. This process takes less than 15 minutes and may result in a nice savings.

To find out how much you're overpaying now, click here and begin entering your coverage information. To compare your current rates, we recommend you complete the form with identical to your current policy. This makes sure you will receive an apples-to-apples comparison based on the exact same insurance coverage.

Switch companies and save? Really?

Allstate, GEICO and Progressive consistently run ads in print and on television. All the companies make an identical promise that you'll save big if you change your policy. But how can every company make the same claim?

All the different companies are able to cherry pick for the right customer that is profitable for them. For example, a profitable customer could be between the ages of 30 and 50, has no driving citations, and has a short commute. Any new insured who meets those qualifications gets the lowest rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile must pay a more expensive rate and ends up with business going elsewhere. The ads say "customers that switch" not "everyone that quotes" save that kind of money. That's the way companies can make the claims of big savings.

This illustrates why drivers must get a wide range of price quotes. It's just too difficult to predict which car insurance company will fit your personal profile best.

Shop smart and save

Discount car insurance is attainable from both online companies in addition to many Culver City insurance agents, and you should compare price quotes from both to have the best rate selection. Some insurance providers do not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

As you shop your coverage around, do not reduce coverage to reduce premium. In too many instances, someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

People leave their current company for a number of reasons such as questionable increases in premium, policy cancellation, extreme rates for teen drivers or an unsatisfactory settlement offer. It doesn't matter why you want to switch choosing a new insurance company is actually quite simple.

Learn more about California car insurance

Much more information about car insurance in California can be found on the California Department of Insurance website located here. Consumers can find out which companies have the most complaints, discover disciplinary actions, and read consumer alerts.

Additional helpful sites include this link for California car insurance quotes and this link which helps you find a Culver City agent.