7 Discounts Friant Drivers Forget when Comparing Car Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? Your situation is no different than many other California consumers. You have so many to pick from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

car insurance in Friant

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at quote time, but lesser-known reductions have to be asked about in order for you to get them. If you're not getting every credit available, you're just leaving money on the table.

  • Lower Rates for Military - Having a deployed family member can result in better rates.
  • Claim Free - Claim-free drivers can save substantially when compared with frequent claim filers.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • Discount for Life Insurance - Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Defensive Driving Course - Taking part in a defensive driving course could save 5% or more depending on where you live.
  • More Vehicles More Savings - Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.

As a disclaimer on discounts, most credits do not apply to the entire cost. Most only cut specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, car insurance companies aren't that generous. Any amount of discount will bring down the cost of coverage.

For a list of insurers with the best car insurance discounts in California, follow this link.

Comparison of Car Insurance in Friant

Most major insurance companies like 21st Century, Allstate and State Farm provide coverage price quotes on the web. Getting quotes is fairly simple as you just enter as detailed in the form. Once entered, the system will obtain information on your driving record and credit history and generates pricing information determined by many factors. This streamlines rate comparisons, but the time it takes to visit multiple sites and type in the same information can get tiresome after awhile. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A more efficient way to lower your car insurance bill is to use a quote form that gets prices from several companies at one time. The form is fast, requires much less work on your part, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it gets priced and you are able to buy any one of the quotes that you receive.

If you find a better price you simply finish the application and purchase the new policy. The whole process takes less than 15 minutes and you'll know if lower rates are available.

To find out if lower rates are available, click here to open in new window and input your coverage information. To compare your current rates, we recommend you copy the limits and deductibles identical to your current policy. This helps ensure you will get a rate comparison based on identical coverages.

Best coverage at the best price

Cheap car insurance is possible both online as well as from independent agents in Friant, so you should be comparing quotes from both in order to have the best chance of saving money. Some car insurance companies don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

As you go through the steps to switch your coverage, make sure you don't sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to purchase a proper amount of coverage at the best price while not skimping on critical coverages.