How to Know You're Throwing Money Away for Car Insurance in El Dorado Hills

Sick and tired of trying to scrape together enough money each month for car insurance? Your situation is no different than many other California consumers. You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

The purpose of this article is to instruct you on how car insurance quotes work and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to save some money using these techniques. California consumers only need to know the most effective way to shop their coverage around over the internet.

More discounts equal less premium

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you're not getting every credit available, you're just leaving money on the table.

Fewer Miles Equal More Savings - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.
Payment Method - If you pay your bill all at once rather than paying monthly you could save up to 5%.
Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase life insurance from them.
New Car Discount - Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
Air Bag Discount - Vehicles equipped with air bags may earn rate discounts of 20% or more.
Driver Safety - Taking a driver safety course could save 5% or more depending on where you live.
Lower Rates for Military - Having a deployed family member may qualify for rate reductions.

A little note about advertised discounts, most credits do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will bring down your premiums.

For a list of insurers who offer car insurance discounts in California, follow this link.

Compare the Market for Car Insurance in El Dorado Hills

Most major insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes directly from their websites. The process is fairly simple as you just enter the amount of coverage you want into the quote form. Once entered, their rating system will obtain credit information and your driving record and returns a price quote determined by many factors. Being able to quote online streamlines rate comparisons, but the process of having to visit each company's website and repetitively enter the same data into a form can be a bit repetitive. Unfortunately, it is important to do this if you want to find a lower rate.

A more efficient way to find cheaper rates utilizes a single form that gets prices from several different companies. It's a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable. After sending your information, it gets priced and you can select any one of the quotes that you receive.

If the quotes result in lower rates, you can click and sign and purchase the new policy. The whole process takes just a few minutes to complete and you will find out if you're overpaying now.

If you want to find out how much you're overpaying now, click here and enter your vehicle and coverage information. If you have a policy now, it's recommended you duplicate deductibles and limits as close as possible to your current policy. This helps ensure you will have comparison quotes based on identical coverages.

In the end, you save

The cheapest car insurance can be purchased from both online companies as well as from independent agents in El Dorado Hills, and you need to price shop both to have the best rate selection. There are still a few companies who don't offer online quoting and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, it's very important that you do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to buy a smart amount of coverage at an affordable rate while not skimping on critical coverages.