Car Insurance in Kelseyville, CA - 10 Discounts You Might be Missing

Are you tired of not being able to afford each month for car insurance? You are in the same boat as many other California consumers. Insurance companies such as GEICO and Progressive persitently shower you with advertising and it can be hard to sift through the bull and find the best price available.

Cheap Kelseyville Car Insurance Comparisons

There are several ways you can shop for car insurance but some are easier and takes less work. You could spend your day talking to insurance companies in Kelseyville, or you could save time and use the internet to get rate comparisons in just a few minutes.

All the larger companies are enrolled in a marketplace that allows shoppers to complete one form, and each company provides a quote. This eliminates the need for quote forms for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you can't choose which companies to get quotes from. So if you prefer to pick individual companies to compare prices, we put together a list of car insurance companies in California. Click here for list of insurance companies in California.

Whichever way you use, ensure you're using exactly the same coverage limits and deductibles for every quote you compare. If you are comparing different liability limits it will be impossible to determine the best price in Kelseyville.

compare Kelseyville car insurance rates

How much can you save with these ten discounts?

Insuring your fleet can be pricey, buy you may qualify for discounts that many people don't even know exist. Certain discounts will be applied at the time of purchase, but a few need to be requested specifically prior to receiving the credit. If you aren't receiving every discount available, you're just leaving money on the table.

  • Drivers Ed for Students - Require your teen driver to successfully complete driver's ed class in school.
  • Employee of Federal Government - Simply working for the federal government can earn a discount up to 10% with a few car insurance companies.
  • Multiple Policy Discount - When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Anti-theft System - Anti-theft and alarm systems help deter theft and will save you 10% or more.
  • Good Students Pay Less - Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Distant Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • 55 and Retired - Older drivers may qualify for a small decrease in premiums.
  • Anti-lock Brake Discount - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out life insurance from them.
  • Early Signing - Some insurance companies reward drivers for switching to them before your current policy expires. This can save 10% or more.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though it sounds like you could get a free car insurance policy, you won't be that lucky. Any amount of discount will reduce the amount you have to pay.

For a list of insurance companies offering car insurance discounts in Kelseyville, follow this link.

Additional information can be found on the website for the California Department of Insurance located here. Consumers can download brochures, read consumer alerts, discover disciplinary actions, and file complaints about a company.

Best coverage at the best price

As you restructure your insurance plan, it's a bad idea to reduce needed coverages to save money. There have been many situations where an accident victim reduced physical damage coverage only to regret at claim time that they should have had better coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.

Cheaper car insurance can be found from both online companies as well as from independent agents in Kelseyville, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies don't offer online quoting and these regional insurance providers work with independent agents.