Find Cheap El Dorado Car Insurance

Searching for the lowest cost El Dorado car insurance on the web is rather challenging for people who are new to comparison shopping online. Because there are so many online companies, how can consumers possibly compare them all to find the best available price?

Save big with these discounts

Insurance can cost an arm and a leg, but you may find discounts that can drop the cost substantially. Some discounts apply automatically when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you're not getting every credit you deserve, you are throwing money away.

  • More Vehicles More Savings - Insuring multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Save with a New Car - Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Accident Free - Drivers who don't have accidents can earn big discounts when compared with drivers who are more careless.
  • Paperless Signup - Certain companies may give you up to $50 for buying your policy over the internet.
  • Student in College - Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes prevent accidents and earn discounts up to 10%.

As a disclaimer on discounts, many deductions do not apply to your bottom line cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears it's possible to get free car insurance, car insurance companies aren't that generous. Any amount of discount will bring down your overall premium however.

But I don't know anything about car insurance

When it comes to buying proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Everyone's needs are different.

These are some specific questions can help discover if your situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Can I still get insurance after a DUI?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does medical payments coverage apply to all occupants?
  • What are California no-fault laws?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form. It's fast, doesn't cost anything and can help protect your family.

Car insurance ads bend the truth

Consumers in California get pounded daily by advertisements for car insurance savings by companies like Allstate, GEICO and Progressive. All the companies make the same claim about savings if you move to them.

How does each company claim to save you money?

All companies have a preferred profile for the type of driver that earns them a profit. An example of a profitable customer might be over the age of 50, has no prior claims, and has great credit. Any driver who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards must pay a higher premium which leads to the customer not buying. The ad wording is "customers that switch" not "people who quote" save money. This is how companies can truthfully advertise the savings.

This illustrates why you should compare as many rates as you can. You cannot predict which insurance companies will fit your personal profile best.

Additional information is available on the California Department of Insurance website located here. Visitors are able to report car insurance fraud, file complaints about an insurance agent or broker, and read industry bulletins.

California car insurance quotes

Best coverage at the best price

Cheap car insurance is definitely available both online and with local El Dorado insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When you buy insurance online, never buy lower coverage limits just to save a few bucks. In too many instances, consumers will sacrifice comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

Insureds who switch companies do it for a number of reasons such as lack of trust in their agent, delays in paying claims, high rates after DUI convictions and even an unsatisfactory settlement offer. Whatever your reason, choosing a new insurance company is less work than it seems.