Getting Low-Cost Dinuba Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many people just like you.

With so many options when it comes to auto insurance, it can be challenging to choose the lowest cost insurance company.

It's important to price shop coverage every six months since insurance rates are constantly changing. If you had the best rates last year you may be paying too much now. You can find a lot of misleading information regarding auto insurance online, so I'm going to show you some great ways to slash your auto insurance rates.

This article will help educate you on the most effective way to quote insurance and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using this strategy. But California vehicle owners do need to know the way insurance companies market on the web.

Comprehensive Dinuba Auto Insurance Comparison

Most major insurance companies give coverage price quotes online. Getting online quotes doesn't take a lot of time as you just type in the coverages you want as detailed in the form. Behind the scenes, their system will obtain your driving and credit reports and generates a price determined by many factors. This makes it a lot easier to compare rates but the time required to go to a lot of sites and complete many quote forms can be a bit repetitive. But it's very important to do this in order to get the best price on auto insurance.

A less time-consuming method to lower your rates requires only one form that obtains quotes from several different companies. The form is fast, eliminates repetitive work, and makes online quotes much simpler. Immediately after submitting the form, your coverage is rated and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process can be completed in a matter of minutes and you will know how your current rates stack up.

To quickly find out if lower rates are available, click here to open in new window and begin entering your coverage information. If you have your current policy handy, we recommend you input the coverage information just like they are on your policy. This way, you will have a fair comparison based on similar coverages.

California auto insurance quotes

Learn How to Buy Auto Insurance Cheaper

It's important that you understand the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay helps enable you to make changes that may reward you with lower auto insurance prices.

The list below includes some of the items that factor into rates.

  • Rate your vehicle for proper use - The more you drive in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based on how the vehicle is used. Autos left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your auto insurance policy properly reflects the correct driver usage.
  • Don't sacrifice liability coverage - The liability section of your policy provides coverage if ever a jury decides you are liable for damages caused by your negligence. Liability provides you with a defense in court starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Frequent auto insurance claims increase rates - Car insurance companies in California give discounts to people who do not rely on their insurance for small claims. If you are a frequent claim filer, you can definitely plan on higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Multiple policies with one company can save - The majority of auto insurance companies will give a discount to people who consolidate policies with them, otherwise known as a multi-policy discount. Even though this discount sounds good, you still need to shop around to confirm you are receiving the best rates possible. Consumers may find a better deal by buying insurance from more than one company.
  • Equipment add-ons that lower auto insurance rates - Choosing a vehicle with an alarm system can help lower your rates. Anti-theft devices such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Do you know your deductibles? - Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. Physical damage deductibles are how much you are required to spend out-of-pocket in the event of a claim. The more expense the insured has to pay upfront, the less your auto insurance will be.

Are you getting all your discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that can drop the cost substantially. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be asked for prior to getting the savings.

  • Auto/Life Discount - Select insurance companies reward you with a break if you buy a life insurance policy as well.
  • Club Memberships - Affiliation with a professional or civic organization could trigger savings on auto insurance.
  • Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.
  • Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • Driver's Ed - Require your teen driver to complete a driver education course in high school.
  • Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you could save 5% or more.
  • Homeowners Discount - Owning a house in Dinuba may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Senior Discount - Older drivers can possibly qualify for a discount up to 10%.
  • No Claims - Drivers with accident-free driving histories pay less as compared to frequent claim filers.
  • Drive Less and Save - Keeping the miles down could qualify for better rates on cars that stay parked.

Drivers should understand that most discount credits are not given to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way. But all discounts will help reduce the cost of coverage.

For a list of companies with the best auto insurance discounts in California, click this link.

Much more information about auto insurance in California can be read on the website for the California Department of Insurance located here. California drivers can file complaints about an insurance agent or broker, find out which companies have the most complaints, download brochures, and read consumer alerts.

Other useful links include Auto Insurance 101 and this page where you can research Dinuba insurance agents.

The best insurance company isn't always the cheapest

When trying to cut insurance costs, do not reduce needed coverages to save money. In many instances, someone sacrificed collision coverage and discovered at claim time that it was a big mistake. The ultimate goal is to buy enough coverage at a price you can afford.

Budget-conscious auto insurance is definitely available on the web in addition to many Dinuba insurance agents, and you need to price shop both to have the best rate selection. A few companies do not provide online quoting and most of the time these small insurance companies sell through independent agents.