Finding the Cheapest Glendale Auto Insurance

I can't think of anyone who looks forward to paying for auto insurance, in particular when they are paying too much.

Big companies like GEICO and Progressive promote their brand names with ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these methods. Buying car insurance in Glendale is not that difficult. Although California drivers do need to know the way insurance companies market on the web.

Save big with these discounts

Companies that sell car insurance don't always publicize every discount in a way that's easy to find, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Military Discounts - Having a deployed family member can result in better rates.
  • Multiple Policy Discount - If you have multiple policies with the same company you may earn up to 20% off your total premium.
  • Use Seat Belts - Buckling up and requiring all passengers to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • No Claims - Good drivers with no accidents pay less when compared to drivers who are more careless.
  • Low Mileage Discounts - Keeping the miles down could qualify for lower rates on the low mileage vehicles.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Clubs and Organizations - Participating in a civic or occupational organization could qualify you for a break when shopping for auto insurance.

A little note about advertised discounts, most credits do not apply to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you won't be that lucky.

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But I don't know anything about car insurance

When it comes to buying coverage for your vehicles, there really is not a one size fits all plan. Everyone's situation is unique and a cookie cutter policy won't apply. These are some specific questions might point out if your situation would benefit from professional advice.

  • Am I covered when pulling a rental trailer?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Will I be non-renewed for getting a DUI or other conviction?

If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all say the same thing about savings if you move your policy. How can each company make almost identical claims? This is how they do it.

All companies have a certain "appetite" for the right customer that earns them a profit. A good example of a driver they prefer could possibly be a mature driver, owns a home, and drives newer vehicles. A driver who fits that profile receives the best rates and most likely will save when they switch companies.

Potential insureds who fall outside the requirements will be quoted more money which usually ends up with the driver buying from a lower-cost company. Company advertisements say "drivers who switch" not "people who quote" save that kind of money. That is how companies can truthfully claim big savings. This emphasizes why you should get quotes from several different companies. It is impossible to predict which company will give you the biggest savings.

Even more information can be read at the California Department of Insurance website. California consumers can view a list of available companies, read consumer alerts, find a variety of consumer forms, and read industry bulletins.

Glendale auto insurance quote

Shop smart and save

When trying to cut insurance costs, it's a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut collision coverage and discovered at claim time that it was a big mistake. The proper strategy is to buy enough coverage for the lowest price while still protecting your assets.

The cheapest auto insurance is definitely available online in addition to many Glendale insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.