Free Guide to Paying Less for Imperial Auto Insurance Online

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, many Imperial consumers feel financially strained by their auto insurance policy.

Insurance companies such as State Farm, Allstate, GEICO and Progressive increase brand awareness with advertising and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to check auto insurance prices every six months because prices are constantly changing. Just because you found the best deal six months ago there may be better deals available now. So block out anything you think you know about auto insurance because you're going to get a crash course in the only way to save money, get proper coverage and the best rates.

Imperial auto insurance comparison

Policy discounts you shouldn't miss

Companies offering auto insurance don't always advertise all their discounts in a way that's easy to find, so here is a list both well-publicized and the harder-to-find savings tricks you should be using.

  • Save over 55 - Older drivers may receive reduced rates.
  • Club Memberships - Participating in a civic or occupational organization is a good way to get lower rates on auto insurance.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.
  • Passive Restraints and Air Bags - Factory air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
  • Military Rewards - Being on active duty in the military could be rewarded with lower premiums.
  • Federal Government Employee - Simply working for the federal government could cut as much as 10% off with select insurance companies.

A little note about advertised discounts, most discounts do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you won't be that lucky.

For a list of companies with discount auto insurance rates in Imperial, click here to view.

How to Compare Auto Insurance in Imperial, California

The are a couple different ways of comparing price quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in a couple of different ways.

One of the best ways to get quotes is a comparison rater form click here to open form in new window. This easy form eliminates the need for boring form submissions for each company you want a rate for. Filling out one form gets you price quotes from all major companies.

A more difficult way to shop for auto insurance online requires a trip to each company's website to complete their respective quote request forms. For instance, we'll pretend you want to compare rates from , and . To get each rate you have to go to every website to input your insurance information, and that's why the first method is more popular.

For a list of links to companies insuring cars in Imperial, click here.

The least recommended method of getting rate comparisons is driving to local Imperial insurance agencies. The internet makes this process obsolete unless you have a need for the trained guidance that only a license agent can provide. However, consumers can compare online quotes but buy from a local insurance agent. We'll cover that shortly.

It's your choice how you get your quotes, but ensure you are comparing exactly the same quote information on every quote you get. If you are comparing mixed coverages it will be very difficult to determine which rate is truly the best in Imperial. Quoting even small variations in coverages can make a big difference in price. Just remember that quoting more will increase your chances of finding a better price.

Do the work, save more money

As you restructure your insurance plan, it's not a good idea to sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that they should have had better coverage. Your aim should be to buy the best coverage you can find for the lowest price.

Cheaper auto insurance can be sourced online and with local Imperial insurance agents, and you need to price shop both to have the best rate selection. Some insurance companies do not offer online quoting and most of the time these smaller companies sell through independent agents.