Car Insurance in Ferndale, CA - 5 Tricks to Save Money
Finding better rates for Ferndale car insurance is difficult for consumers not familiar with comparison shopping online. Drivers have so many options available that it can be a lot of work to find lower rates in Ferndale.
Fast and Easy Ferndale Car Insurance Quotes
All major car insurance companies such as State Farm, Allstate and GEICO provide pricing online. Getting quotes is pretty easy as you simply type in the amount of coverage you want into the quote form. After the form is submitted, the system will obtain information on your driving record and credit history and returns a price quote based on these and other factors.
Online price quotes makes comparing rates easy, but the time required to go to each company's website and repetitively complete many quote forms can get tiresome after awhile. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.
Quote rates the easy way
The preferred way to find cheaper rates is to use a quote form that gets prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes price shopping online much more enjoyable. After sending your information, it gets priced and you can select any of the resulting price quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.
To find out how much you're overpaying now, click here and fill out the form. If you have your current policy handy, we recommend you replicate as close as possible to your current policy. This makes sure you will get comparison quotes for the exact same coverage.
More discounts equal less premium
Companies don't list every discount in an easy-to-find place, so the following is a list of both the well known and the more hidden savings tricks you should be using. If they aren't giving you every credit available, you are paying more than you should be.
- Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class if it's offered in school.
- Payment Method - If you pay your entire premium ahead of time instead of making monthly payments you can actually save on your bill.
- Life Insurance - Companies who offer life insurance give lower rates if you buy a life insurance policy as well.
- Driver Safety - Completing a defensive driving course could save 5% or more if your company offers it.
- Multiple Policy Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
A little note about advertised discounts, most discounts do not apply to the entire cost. Most only apply to the cost of specific coverages such as liability and collision coverage. Just because you may think you can get free auto insurance, you won't be that lucky.
To choose insurance companies who offer car insurance discounts in Ferndale, click here to view.
Switch companies and save? Really?
Consumers in California can't ignore all the ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all make an identical promise about savings after switching to them.
How do they all claim to save you money?
All companies can use profiling for the type of driver that makes them money. A good example of a driver they prefer might be between the ages of 40 and 55, has no tickets, and has great credit. Any new insured who meets those qualifications is entitled to the best price and therefore will cut their rates substantially.
Potential insureds who do not match the "perfect" profile will be quoted more money and ends up with the customer not buying. Company advertisements say "people who switch" not "everyone that quotes" save money. That's why companies can truthfully advertise the savings. This emphasizes why you need to compare many company's rates. It's just too difficult to predict the company that will give you the biggest savings.
Even more information can be read at the California Department of Insurance website. Visitors are able to download brochures, view a list of available companies, and file complaints about an insurance agent or broker.
And the best car insurance company is...
People change insurance companies for many reasons like extreme rates for teen drivers, unfair underwriting practices, delays in paying claims or even delays in responding to claim requests. It doesn't matter why you want to switch finding the right car insurance provider is easier than you think.
As you prepare to switch companies, you should never reduce coverage to reduce premium. There have been many situations where an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy enough coverage at an affordable rate while still protecting your assets.
Cheaper car insurance can be purchased both online and with local Ferndale insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not offer online price quotes and these small insurance companies work with independent agents.
