Consumer Tested Strategies to Save on Helendale Auto Insurance

I can't think of anyone who cherishes buying auto insurance, particularly when their premiums are through the roof. You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

Finding the best rates in Helendale is easy if you know what you're doing. If you have a current auto insurance policy or are shopping for new coverage, you can use these techniques to find the best rates while maintaining coverages. California vehicle owners just need to know the tricks to buy auto insurance over the internet.

Vehicle Insurance Comparison

Most major insurance companies like 21st Century, Allstate and State Farm give coverage price quotes online. This process is fairly simple as you just enter your personal and coverage information as detailed in the form. Behind the scenes, the system will obtain reports for credit and driving violations and returns a price quote based on these factors. Quoting online streamlines rate comparisons, but the time required to go to several different sites and complete many quote forms can be a bit tiresome and repetitive. But it's very important to perform this step in order to get the best price on auto insurance.

The easy way to compare rates

A less time-consuming method to compare rates uses one form that gets prices from a bunch of companies at once. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable. After sending your information, your coverage is rated and you can select any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. This process takes less than 15 minutes and you will know how your current rates stack up.

To find out if lower rates are available, click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate the insurance coverages just like they are on your policy. This way, you are getting comparison quotes based on similar coverages.

auto insurance in Helendale

Tips to Get Lower Helendale Rates

It's important that you understand the different types of things that help determine the rates you pay for auto insurance. Knowing what controls the rates you pay empowers consumers to make smart changes that could result in lower auto insurance prices.

  • Extra coverages can waste money - There are a ton of additional coverages that you can get tricked into buying when buying auto insurance. Coverages for rental car reimbursement, accidental death and additional equipment coverage may be costing you every month. They may seem like a good idea when talking to your agent, but now you might not need them so eliminate them to save money.
  • Cautious drivers pay less - Drivers who don't get tickets tend to pay less for car insurance compared to drivers with tickets. Even one ticket can bump up the cost twenty percent or more. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.
  • Pay less if you're married - Having a spouse can get you a discount on your policy. Having a spouse translates into being more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Women pay lower rates - Statistics show that women are safer drivers than men. However, this does not mean women are BETTER drivers than men. Women and men are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to receive more costly citations like DUI and reckless driving. Teenage male drivers tend to get in the most accidents and thus pay the highest rates.

Are you getting all your discounts?

Companies offering auto insurance don't always list all available discounts very clearly, so we break down both the well known and the harder-to-find savings tricks you should be using. If you're not getting every credit you qualify for, you're just leaving money on the table.

  • Driver Safety - Completing a defensive driving course can save you 5% or more depending on where you live.
  • Good Student - Getting good grades can get you a discount of up to 25%. This discount can apply well after school through age 25.
  • Paperless Signup - Certain companies may give you up to $50 for buying a policy and signing up over the internet.
  • Accident Forgiveness - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Drivers Education - Require your teen driver to enroll in driver's education if it's offered in school.
  • Claim Free - Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Payment Method - If you pay your entire premium ahead of time rather than paying monthly you could save up to 5%.
  • Student in College - Kids in college who attend school more than 100 miles from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Save with a New Car - Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Federal Employees - Simply working for the federal government can save as much as 8% depending on your company.

Drivers should understand that most discount credits are not given to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way.

For a list of insurers who offer auto insurance discounts in California, click here to view.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn't really a perfect coverage plan. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help highlight whether you may require specific advice.

  • Should I have combined single limit or split liability limits?
  • Do I need to file an SR-22 for a DUI in California?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving my company car?
  • Does my policy cover me when driving someone else's vehicle?
  • Is my cargo covered for damage or theft?

If you're not sure about those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies. It's fast, free and may give you better protection.

More detailed California auto insurance information can be found at the California Department of Insurance website. Visitors are able to discover disciplinary actions, file complaints about a company, get help finding coverage, and learn about insurance regulations.

California auto insurance

In the end, you save

Budget-conscious auto insurance can be sourced both online as well as from independent agents in Helendale, and you should be comparing both to have the best chance of lowering rates. There are still a few companies who don't offer online quoting and usually these regional insurance providers provide coverage only through local independent agents.

We covered some good ideas how you can lower your auto insurance rates. The most important thing to understand is the more companies you get rates for, the better your chances of lowering your rates. You may even discover the biggest savings come from a smaller regional carrier. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as .