Car Insurance in Elk Grove, CA - 7 Tricks to Save Money

No one likes paying for car insurance, especially when they are paying too much.

Multiple compete for your insurance dollar, and it can be difficult to compare rates to get the lowest rate

If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Choosing the best insurance company for you in Elk Grove is quite easy. Nevertheless, California car owners do need to know how insurance companies price insurance differently because it can help you find the best coverage.

compare Elk Grove car insurance rates

Automobile Insurance Quotes in Elk Grove, CA

Most companies such as State Farm, Allstate and GEICO quote coverage price quotes on the web. Getting quotes doesn't take a lot of time as you simply type in your coverage preferences into the quote form. When the form is submitted, their rating system will obtain reports for credit and driving violations and generates pricing information. Online price quotes makes it a lot easier to compare rates but the time it takes to visit many different websites and fill out multiple forms can be a bit tiresome and repetitive. Unfortunately, it is important to perform this step if you are searching for a lower rate.

There is an easier way!

A quicker way to get multiple rate quotes is to use a quote form that gets prices from a bunch of companies at once. It's a real time-saver, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is quoted and you can select any of the quotes returned. If a lower price is quoted, you simply finish the application and purchase coverage. It can be completed in a matter of minutes and can result in significant savings.

To find out how much you're overpaying now, click here and fill out the form. If you have coverage now, it's recommended you copy coverages and limits exactly as they are listed on your policy. This ensures you are getting a fair comparison for similar insurance coverage.

More discounts equal less premium

Companies offering auto insurance don't list every discount in an easy-to-find place, so we researched some of the more common as well as the least known car insurance savings.

  • Military Discounts - Having a deployed family member may qualify for rate reductions.
  • Anti-lock Brake Discount - Anti-lock brake equipped vehicles can reduce accidents and qualify for as much as a 10% discount.
  • Discount for Life Insurance - Larger companies have lower rates if you buy auto and life insurance together.
  • Driver Safety - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Theft Prevention System - Anti-theft and alarm systems can help prevent theft and will save you 10% or more.
  • Payment Method - If you pay your bill all at once instead of paying each month you could save 5% or more.
  • Multiple Vehicles - Having multiple vehicles on the same car insurance policy may reduce the rate for each vehicle.

It's important to understand that most of the big mark downs will not be given to your bottom line cost. Most only cut individual premiums such as liability and collision coverage. So when it seems like having all the discounts means you get insurance for free, it doesn't quite work that way.

To see a list of insurance companies who offer car insurance discounts in Elk Grove, follow this link.

It's not one size fits all

When choosing the best car insurance coverage for your vehicles, there is no "perfect" insurance plan. Everyone's needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if you may require specific advice.

  • Am I covered when pulling a rental trailer?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What happens if I owe more than my vehicle is worth?
  • Do I really need UM/UIM coverage?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Do I have any recourse if my insurance company denies a claim?
  • Am I covered if I wreck a rental car?

If you don't know the answers to these questions but a few of them apply, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

For more California car insurance information

More tips and info about car insurance is located at the California Department of Insurance website. Consumers can view a list of available companies, find out industry alerts, file complaints about an insurance agent or broker, and discover disciplinary actions.