Car Insurance in Dixon - 6 Ways to Save Money
Are you overwhelmed by the wide range of car insurance company choices in Dixon? You're not the only one! Consumers have so many options available that it can turn into a lot of work to locate the lowest price.
It's important to take a look at other company's rates at least once a year since rates are constantly changing. Even if you got the best rates a few years ago you can probably find a better price now. Don't believe everything you read about car insurance on the web, but we're going to give you some great ways to quit paying high car insurance rates.
Are you getting all your discounts?
Car insurance companies don't list every available discount very clearly, so the following is a list of some of the more common and the harder-to-find ways to save on car insurance. If you're not getting every credit possible, you are paying more than you should be.
- Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
- Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
- Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
- Multi-policy Discount - If you insure your home and vehicles with one insurance company you may save at least 10% off all policies.
- Braking Control Discount - Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
- Resident Student - Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
As a disclaimer on discounts, many deductions do not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, car insurance companies aren't that generous.
To choose providers who offer car insurance discounts in California, click this link.
How can Allstate and Progressive save drivers who switch?
Consumers can't ignore all the ads that promise big savings by Allstate and Progressive. All the ads make the same claim about savings after switching to their company.
How does each company make the same claim? This is how they do it.
Insurance companies are able to cherry pick for the driver that makes them money. A good example of a preferred risk could be between 25 and 40, has no tickets, and drives less than 7,500 miles a year. Any new insured who matches those parameters gets the lowest rates and as a result will probably save when switching.
Potential customers who are not a match for these standards will be charged a more expensive rate which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everybody who quotes" save that much. That's the way companies can truthfully advertise the way they do. That is why you should compare as many rates as you can. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.
Find out more about car insurance
Even more information can be read at the California Department of Insurance website. Consumers can read consumer alerts, discover disciplinary actions, and view agent and company licensing information.
Other informative sites include BankRate.com's Car Insurance: When not to Skimp and this Dixon agent directory.
And the best car insurance company is...
When shopping online for car insurance, make sure you don't buy poor coverage just to save money. Too many times, an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Cheap car insurance can be purchased from both online companies and also from your neighborhood Dixon agents, so you should compare both to have the best rate selection. Some car insurance companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
Insureds change insurance companies for any number of reasons including policy non-renewal, delays in responding to claim requests, delays in paying claims or even policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is easier than you think.
