Proven Techniques to Save on Garden Grove Auto Insurance

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us, you're not alone. Online insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with advertising and consumers find it hard to sift through the bull and do the work needed to find the best deal.

Take advantage of discounts

Companies don't list every discount in a way that's easy to find, so we researched both well-publicized and also the lesser-known ways to save on auto insurance. If you aren't receiving every discount possible, you are throwing money away.

  • No Claims - Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.
  • Multi-car Discount - Insuring more than one vehicle on one policy can get a discount on all vehicles.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Military Discounts - Having a family member in the military could mean lower rates.
  • Federal Government Employee - Active or retired federal employment could cut as much as 10% off with a few auto insurance companies.

As a disclaimer on discounts, many deductions do not apply to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, auto insurance companies aren't that generous.

Are auto insurance companies telling the truth?

California consumers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and GEICO. They all make the same claim about savings if you switch your policy.

How can each company make almost identical claims? It's all in the numbers.

Insurance companies are able to cherry pick for the right customer that earns them a profit. For instance, a driver they prefer could possibly be over the age of 40, has no driving citations, and has a short commute. A driver who matches those parameters gets the lowest rates and most likely will save when they switch companies.

Drivers who don't qualify for the requirements will be quoted a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say "customers who switch" not "people who quote" save that kind of money. That's the way companies can truthfully make the claims of big savings. This emphasizes why you should get a wide range of price quotes. It is impossible to predict which auto insurance company will fit your personal profile best.

Learn more about California auto insurance

Even more information is located at the California Department of Insurance website. California consumers can read industry bulletins, report car insurance fraud, read consumer alerts, and view a list of available companies.

In the end, you save

Cheap auto insurance can be found online in addition to many Garden Grove insurance agents, and you need to comparison shop both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and these small, regional companies work with independent agents.

As you shop your coverage around, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where someone sacrificed collision coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to buy the best coverage you can find at the best price while still protecting your assets.