7 Guaranteed Tricks to Lower Car Insurance Costs in Cupertino, CA
Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say there are lots of people in the same boat.
Online insurance companies like State Farm, Allstate, GEICO and Progressive persitently shower you with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.
It's important to price shop coverage every six months since rates are constantly changing. Just because you found the lowest price on your last policy there may be better deals available now. There is a lot of bad advice regarding car insurance online, so I'm going to show you some great ways to stop overpaying for insurance.
Be sure to get all your discounts
Companies do not list all their discounts in a way that's easy to find, so we researched some of the more common as well as the least known savings tricks you should be using.
- Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
- Club Memberships - Belonging to a civic or occupational organization is a good way to get lower rates on car insurance.
- Military Discounts - Being on active duty in the military could be rewarded with lower premiums.
- Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
- Multiple Cars - Buying insurance for all your vehicles on one policy may reduce the rate for each vehicle.
- No Charge for an Accident - A handful of insurance companies will forgive one accident without raising rates as long as you don't have any claims prior to the accident.
- Anti-theft Discount - Cars that have factory anti-theft systems help deter theft and will save you 10% or more.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only apply to individual premiums such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, car insurance companies aren't that generous.
For a list of companies with discount car insurance rates in Cupertino, click here to view.
How to Compare Car Insurance in Cupertino, California
There are several ways to compare car insurance prices but there is one way that is easier and takes less work. You can waste hours discussing policy coverages with agents in Cupertino, or you could save time and use online quoting to get rates in a matter of minutes.
Most car insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and each company then returns a price quote for coverage. This saves time by eliminating quotation requests to each individual car insurance company.
To submit your quote information now, click here (opens in new window).
The single downside to getting quotes like this is you can't choose the companies you want to price. If you prefer to choose specific providers for rate comparison, we put together a list of car insurance companies in California. Click here to view list.
It's up to you which method you use, but ensure you are comparing exactly the same quote information for every quote you compare. If you use mixed coverages it will be impossible to determine the best price in Cupertino. Quoting even small variations in coverages may result in large price differences. Just remember that comparing more company's prices will increase your chances of finding a better price.
The best insurance company isn't always the cheapest
When you buy insurance online, it's not a good idea to sacrifice coverage to reduce premiums. In many instances, someone sacrificed collision coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy a smart amount of coverage at a price you can afford.
Cheap car insurance can be sourced from both online companies in addition to many Cupertino insurance agents, and you should compare price quotes from both so you have a total pricing picture. There are still a few companies who do not provide online quoting and most of the time these small, regional companies sell through independent agents.
