Tightwads Tips for Saving on Gustine Auto Insurance

Nobody I know cherishes buying auto insurance, especially knowing the cost is too high.

Drivers have multiple to buy insurance from, and even though it's nice to have a selection, it can be more challenging to compare rates.

Finding Auto Insurance Deals in Gustine, CA

Most companies like Allstate, GEICO and Progressive provide coverage prices on their websites. Getting online quotes is pretty painless as you just enter your coverage preferences into the quote form. When the form is submitted, their system will obtain information on your driving record and credit history and returns a price quote based on these and other factors. Quoting online helps simplify price comparisons, but the time required to go to a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. Unfortunately, it is important to have as many quotes as possible if you want to find a lower rate.

Quote rates the easy way

A quicker way to get multiple rate quotes requires only one form to get prices from a bunch of companies at once. It's a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. After sending the form, it gets priced with multiple companies and you can pick any one of the quotes returned. If a lower price is quoted, you can simply submit the application and purchase coverage. The whole process can be completed in less than 10 minutes and you will find out if you're overpaying now.

To quickly find out how much you're overpaying now, click here and complete the simple form. If you have your current policy handy, we recommend you input the limits and deductibles as close as possible to your current policy. This ensures you are getting a fair comparison for similar insurance coverage.

More discounts equal less premium

Companies don't always advertise all available discounts very clearly, so the following is a list of some of the best known as well as the least known ways to save on auto insurance.

  • Multiple Cars - Having all your vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Theft Prevention Discount - Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more.
  • Fewer Miles Equal More Savings - Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Homeowners Savings - Owning a home in Gustine may earn you a small savings because maintaining a house demonstrates responsibility.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Student in College - Any of your kids living away from home attending college and don't have a car may be able to be covered for less.

A little note about advertised discounts, many deductions do not apply to your bottom line cost. Most only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, you won't be that lucky.

To see a list of insurers with discount auto insurance rates in California, click this link.

It's not one size fits all

When choosing coverage for your vehicles, there isn't really a one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out if you may require specific advice.

  • Am I covered when driving on a suspended license?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Is my vehicle covered for flood damage?
  • Does my policy cover my teen driver if they drive my company car?
  • What can I do if my company won't pay a claim?
  • Why does it cost so much to insure a teen driver in Gustine?
  • Does my personal policy cover me when driving my company car?

If it's difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

For more California car insurance information

Even more information can be read at the California Department of Insurance website. California drivers can report car insurance fraud, read consumer alerts, discover disciplinary actions, and get help finding coverage.