7 Ways to Save on Car Insurance in Freedom

I can't think of a single person who looks forward to paying for car insurance, especially when the cost is too high. Insurance companies such as GEICO and Progressive persitently shower you with fancy advertisements and it is difficult to sift through the bull and take the time to shop coverage around.

It's important to check car insurance prices periodically since rates are constantly changing. Despite the fact that you may have had the best rates last year you may be paying too much now. You'll find quite a bit of inaccurate information about car insurance online but I'm going to show you some great ways to slash your car insurance rates.

Freedom Car Insurance Comparisons

Getting better car insurance pricing is actually quite simple. Just take time getting comparison quotes provided by online insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The first (and easiest) way to get quotes is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate quotation requests to each individual car insurance company. Just one form will get you rate comparisons from car insurance companies with the best prices.

A different way to compare rate quotes requires you to visit the website for each individual company to complete a price quote. For sake of this example, let's assume you want to compare , and . To find out each rate you need to spend time on each company's site and enter your policy data, which is why most consumers use the first method.

To view a list of companies in Freedom, click here.

It's your choice how you get your quotes, but be sure to compare exactly the same coverage information for every company. If you enter unequal deductibles or liability limits it will be next to impossible to decipher which rate is best in Freedom.

Take advantage of discounts

Companies that sell car insurance do not advertise all their discounts in a way that's easy to find, so the following is a list of some of the more common and the more hidden savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

Bundle and Save - When you have multiple policies with the same company you may earn approximately 10% to 15%.
Good Student - Getting good grades can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
55 and Retired - Older drivers may be able to get reduced rates.
Federal Employees - Simply working for the federal government may qualify you for a discount with select insurance companies.
Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
College Student - Kids in college living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Air Bag Discount - Factory air bags or motorized seat belts can qualify for discounts of 20% or more.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

For a list of companies who offer car insurance discounts in Freedom, click here to view.

How to know if you need help

When it comes to choosing coverage for your vehicles, there really is not a "perfect" insurance plan. Each situation is unique so your insurance should reflect that These are some specific questions may help highlight whether your personal situation would benefit from professional advice.

What are the best liability limits?
Do I need to file an SR-22 for a DUI in California?
Should I put collision coverage on all my vehicles?
Am I covered if I drive in a foreign country?
Does my insurance cover a custom paint job?
Why does it cost so much to insure a teen driver in Freedom?

If you're not sure about those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Even more information can be read at the California Department of Insurance website. Consumers can view agent and company licensing information, file complaints about a company, learn about insurance regulations, and download brochures.

A tidy conclusion

When trying to cut insurance costs, it's a bad idea to reduce needed coverages to save money. In many instances, someone dropped full coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to purchase a proper amount of coverage at an affordable rate.

You just learned many tips how you can lower your car insurance rates. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the best price on car insurance is with a company that doesn't do a lot of advertising. Smaller companies may cover specific market segments cheaper than their larger competitors like .