Getting Cheap Escalon Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Believe me when I say many Escalon consumers feel financially strained by their auto insurance policy.

Consumers have many to pick from, and although it's a good thing to have a choice, it can be more difficult to compare rates.

Pricing the cheapest auto insurance coverage in Escalon is quite easy. In a nutshell, every driver who carries auto insurance stands a good chance to be able to lower their premiums. Although California vehicle owners do need to know how big insurance companies market on the web and apply this information to your search.

Comprehensive Escalon Auto Insurance Comparison Quotes

Shopping for lower auto insurance rates can take time and effort if you don't know the best way to get rate quotes. You could spend your day talking to local insurance agents in Escalon, or you can stay home and use the internet to get prices fast.

All the larger companies belong to an insurance system that allows shoppers to submit one quote, and each company provides a quote based on that information. This system prevents you from having to do quote forms to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

One minor caviat to comparing rates this way is that consumers can't choose which companies to get quotes from. So if you want to select from a list of companies to request quotes from, we put together a list of the cheapest auto insurance companies in California. View list of California insurance companies.

It's up to you how you get prices quotes, just compare identical coverages on every quote you get. If the quotes have different limits and deductibles on each one it will be very difficult to determine which rate is truly the best in Escalon. Having just a slight variation in coverages may result in a large different in cost. Just keep in mind that getting more free quotes helps you find lower pricing.

You have some control over your rates

It's important that you understand the rating factors that come into play when calculating auto insurance rates. Knowing what impacts premium levels enables informed choices that will entitle you to much lower annual insurance costs.

Special features that cut premiums - Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles reduce injuries and better occupant protection means lower claim amounts and thus lower rates.
Claim-free discounts can add up - Companies in California give lower rates to insureds who are claim-free. If you file claims often, you can expect higher rates. Your insurance policy is intended to be relied upon for the large, substantial claims.
Lower miles equals lower premium - The more you drive in a year the higher your rate. Most insurance companies price each vehicle's coverage based upon how you use the vehicle. Autos used primarily for pleasure use qualify for better rates compared to those used for work or business. Double check that your auto insurance policy shows the correct driver usage.
Adjust deductibles and save - Physical damage deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some instances where coverage would apply are running into the backend of another car, vandalism, and rolling your vehicle. The higher the amount you are required to pay out-of-pocket, the less your auto insurance will be.
Discounts for married couples - Having a spouse actually saves money on your auto insurance policy. Having a significant other means you're more responsible it has been statistically shown that being married results in fewer claims.
Extra add-on coverages are wasting money - There are a lot of extra coverages that can waste your money if you aren't careful. Coverages for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. These may sound like a good investment when talking to your agent, but if they're wasting money eliminate them to save money.

Be sure to get all your discounts

Insuring your fleet can be pricey, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but less common discounts must be requested specifically prior to getting the savings.

Drivers Education - Require your teen driver to successfully complete driver's ed class in high school.
Service Members Pay Less - Having a family member in the military can result in better rates.
Federal Government Employee - Simply working for the federal government could cut as much as 10% off with a few auto insurance companies.
New Vehicle Savings - Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
Pay Upfront and Save - If paying your policy premium upfront rather than paying monthly you may reduce your total bill.
Auto/Life Discount - Companies who offer life insurance give a discount if you purchase life insurance.
Low Mileage Discounts - Keeping the miles down can earn better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, you won't be that lucky. Any amount of discount will bring down the amount you have to pay.

For a list of insurance companies with the best auto insurance discounts in California, click this link.

Additional information can be found on the website for the California Department of Insurance. Click here for link. California drivers can view a list of available companies, find disaster information, download brochures, and file complaints about an insurance agent or broker.

Other useful links include this site for auto insurance rates in California and this list of insurance agents in Escalon, CA.

Do the work, save more money

The cheapest auto insurance is definitely available on the web and also from your neighborhood Escalon agents, so compare prices from both to have the best rate selection. Some insurance companies may not provide online quoting and these regional insurance providers work with independent agents.

As you restructure your insurance plan, make sure you don't reduce needed coverages to save money. There have been many situations where an insured dropped physical damage coverage only to discover later that they should have had better coverage. The proper strategy is to get the best coverage possible for the lowest price while still protecting your assets.