Easy Ways to Cut Costs on Hemet Auto Insurance

Searching for the most affordable Hemet auto insurance online is rather challenging for consumers new to shopping for insurance online. Because there are so many online companies available, how can consumers possibly compare the different rates to find the lowest rates?

Save big with these discounts

Insuring your fleet can be pricey, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some may not be applied and must be specifically requested before you will receive the discount.

  • Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • Save over 55 - If you qualify as a senior citizen, you can possibly qualify for a discount up to 10%.
  • Clubs and Organizations - Participating in certain professional organizations may earn a discount when shopping for auto insurance.
  • Student Driver Training - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in high school.
  • Military Discounts - Being deployed with a military unit can result in better rates.
  • Passive Restraints - Cars that have air bags or automatic seat belts can get savings of 20% or more.

As a disclaimer on discounts, some credits don't apply to the overall cost of the policy. Most only reduce specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, auto insurance companies aren't that generous. Any amount of discount will cut your overall premium however.

compare Hemet auto insurance rates

But I don't know anything about car insurance

When it comes to buying coverage for your personal vehicles, there is no one size fits all plan. Every situation is different.

These are some specific questions may help you determine if your situation will benefit from professional help.

  • What can I do if my company won't pay a claim?
  • Should I buy additional glass protection?
  • Do I have any recourse if my insurance company denies a claim?
  • Are rental cars covered under my policy?
  • Is my dog or cat covered if injured in an accident?
  • Is my cargo covered for damage or theft?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance ads bend the truth

Auto insurance providers like State Farm, Allstate and GEICO regularly use ads on TV and radio. They all have a common claim about savings if you move your policy. How do they all make almost identical claims? It's all in the numbers.

All the different companies have a preferred profile for the right customer that earns them a profit. A good example of a driver they prefer could possibly be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A driver that hits that "sweet spot" will get the preferred rates and most likely will cut their rates substantially.

Potential insureds who fall outside the "perfect" profile will be quoted more money and this can result in the driver buying from a lower-cost company. The ads state "customers who switch" not "people who quote" save that kind of money. This is how companies can truthfully make those claims.

This emphasizes why you should get a wide range of price quotes. It is impossible to predict which insurance companies will have the lowest rates.

More sites with auto insurance information

Additional information can be read on the California Department of Insurance website found here. California consumers can view a list of available companies, learn about insurance regulations, and find out which companies have the most complaints.

Hemet auto insurance comparison

Affordable insurance is out there

Drivers who switch companies do it for a variety of reasons including unfair underwriting practices, denial of a claim, extreme rates for teen drivers and even questionable increases in premium. Whatever your reason, finding a new auto insurance company is less work than it seems.

While you're price shopping online, never buy lower coverage limits just to save a few bucks. There have been many situations where drivers have reduced collision coverage and discovered at claim time they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Cheap auto insurance is possible online in addition to many Hemet insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.