Tightwads Guide for Saving on Huntington Park Auto Insurance

Scraping up a payment for overpriced auto insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. Companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with fancy advertisements and it is difficult to sift through the bull and effectively compare rates to find the best deal.

If you have insurance now or need new coverage, you can learn to find better prices while maintaining coverages. Finding affordable coverage in Huntington Park is easy if you know what you're doing. California vehicle owners just need to know the best way to compare prices online.

How much can you save with discounts?

Companies that sell car insurance don't always advertise every discount in a way that's easy to find, so here is a list both the well known and the more hidden savings tricks you should be using. If you aren't receiving every discount you deserve, you are throwing money away.

Government Employees - Active or retired federal employment can save as much as 8% with a few auto insurance companies.
Save with a New Car - Adding a new car to your policy is cheaper since new cars are generally safer.
Air Bag Discount - Cars that have air bags or automatic seat belts can qualify for discounts of more than 20%.
Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
Paperwork-free - Certain companies may give you up to $50 for buying a policy and signing up digitally online.
Distant Student - Kids in college who live away from home and do not have a car can receive lower rates.
Senior Citizens - If you qualify as a senior citizen, you may qualify for better auto insurance rates.
Low Mileage Discounts - Driving fewer miles can qualify you for discounted rates on garaged vehicles.
Clubs and Organizations - Being a member of a civic or occupational organization is a good way to get lower rates when shopping for auto insurance.
Anti-lock Brake System - Cars that have steering control and anti-lock brakes are safer to drive and will save you 10% or more.

Drivers should understand that most discount credits are not given to the overall cost of the policy. Some only apply to the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies wouldn't make money that way.

How much car insurance do I need?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions may help you determine if your insurance needs will benefit from professional help.

Why am I required to get a high-risk car insurance policy?
Should I file a claim if it's only slightly more than my deductible?
Should I drop comprehensive coverage on older vehicles?
What can I do if my company won't pay a claim?
Does medical payments coverage apply to all occupants?
Why does it cost so much to insure a teen driver in Huntington Park?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?

If you're not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Save 15 percent in 15 minutes? Is it for real?

Consumers in California get pounded daily by advertisements for car insurance savings by Progressive, Allstate and GEICO. They all make an identical promise that you'll save big if you switch to their company.

How can each company claim to save you money?

All companies have a preferred profile for the driver that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, insures multiple vehicles, and has great credit. A customer getting a price quote who meets those qualifications will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Consumers who don't meet the requirements will be quoted higher prices and ends up with the customer not buying. The ad wording is "people who switch" but not "drivers who get quotes" save that much. This is how companies can advertise the savings. This emphasizes why you should get quotes from several different companies. It's impossible to know which insurance companies will give you the biggest savings.

More detailed California auto insurance information is available at the California Department of Insurance website. Visitors are able to read industry bulletins, read enforcement actions against agents and companies, find out industry alerts, and view a list of available companies.

A tidy conclusion

As you prepare to switch companies, it's not a good idea to buy lower coverage limits just to save a few bucks. There are too many instances where drivers have reduced comprehensive coverage or liability limits to discover at claim time that the small savings ended up costing them much more. Your strategy should be to get the best coverage possible at an affordable rate while still protecting your assets.

We covered some good ideas how you can reduce auto insurance prices online. The key thing to remember is the more price quotes you have, the higher your chance of finding lower rates. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. Regional companies may only write in your state and offer lower rates compared to the large companies like .