El Cajon Auto Insurance For Less Than You're Paying Now

If you are a novice to online auto insurance shopping, you may be overwhelmed because of the huge number of auto insurance companies all offering big savings in El Cajon.

This information will familiarize you with how to effectively get price quotes and some tricks to saving. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. California vehicle owners just need to know the most efficient way to compare rates online.

Policy discounts you shouldn't miss

Insuring your fleet can be pricey, but there are discounts available that you may not even be aware of. Certain discounts will be applied when you get a quote, but less common discounts must be specifically requested before you will receive the discount. If you're not getting every credit you qualify for, you are throwing money away.

  • Military Rewards - Having a deployed family member could mean lower rates.
  • Early Signing - Select companies give a discount for switching policies prior to your current policy expiring. This can save 10% or more.
  • Good Student - Performing well in school can earn a discount of 20% or more. This discount can apply until age 25.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for reduced rates.
  • Defensive Driver - Successfully completing a course in driver safety can save you 5% or more if you qualify.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Accident Free - Good drivers with no accidents can save substantially when compared to drivers who are more careless.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

Consumers should know that most credits do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, companies don't profit that way. But all discounts will bring down the amount you have to pay.

compare El Cajon auto insurance rates

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there isn't really a one size fits all plan. Every insured's situation is different.

For example, these questions may help highlight whether your personal situation might need an agent's assistance.

  • Do I have coverage when using my vehicle for my home business?
  • Does my car insurance cover rental cars?
  • Do I need to file an SR-22 for a DUI in California?
  • Should I buy additional glass protection?
  • Should I have combined single limit or split liability limits?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don't know the answers to these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It's fast, doesn't cost anything and may give you better protection.

Save $429 a year? Really?

California consumers get pounded daily by advertisements for cheaper car insurance by companies like State Farm, Allstate and GEICO. They all say the same thing that you'll save big if you switch to them.

How does each company make almost identical claims? This is how they do it.

Insurance companies have a certain "appetite" for the type of driver that earns them a profit. For example, a driver they prefer could possibly be between the ages of 30 and 50, a clean driving record, and has excellent credit. A driver who fits that profile gets the lowest rates and is almost guaranteed to save when switching.

Drivers who don't qualify for these standards will be quoted higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" but not "drivers who get quotes" save money. That is how companies can make those claims.

This emphasizes why you should get a wide range of price quotes. It is impossible to predict which company will have the lowest rates.

Additional California consumer information

Much more information about auto insurance in California can be found on the California Department of Insurance website. Click here for link. California consumers can find disaster information, learn about specific coverages, and file complaints about a company.

California auto insurance

Best coverage at the best price

Consumers switch companies for any number of reasons including unfair underwriting practices, high prices, poor customer service and even denial of a claim. No matter why you want to switch, switching auto insurance companies is less work than it seems.

In this article, we presented a lot of tips how to reduce auto insurance prices online. The key thing to remember is the more providers you compare, the better your chances of lowering your rates. You may even discover the lowest rates come from a lesser-known regional company.

While you're price shopping online, it's very important that you do not buy lower coverage limits just to save a few bucks. There have been many situations where someone dropped physical damage coverage only to discover later they didn't purchase enough coverage. The proper strategy is to buy the best coverage you can find for the lowest price while still protecting your assets.