Car Insurance in Kings Beach California - 6 Tips to Save Money

Are you overwhelmed by the number of car insurance options in Kings Beach? Many other drivers are as well. There are so many choices that it can turn into a lot of work to find better rates.

How much can you save with these six discounts?

Insurance can cost an arm and a leg, but there could be available discounts to reduce the price significantly. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked for before you will receive the discount.

  • Clubs and Organizations - Belonging to a professional or civic organization could trigger savings when buying car insurance.
  • Driver Safety - Completing a driver safety course could possibly earn you a 5% discount if you qualify.
  • Auto/Home Discount - If you have multiple policies with one company you may save up to 20% off your total premium.
  • Braking Control Discount - Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
  • New Car Discount - Insuring a new car is cheaper since new cars are generally safer.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get better car insurance rates.

Keep in mind that most discount credits are not given the the whole policy. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

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

Allstate, GEICO and Progressive continually stream television and radio advertisements. All the companies make the same claim that you can save after switching to their company. But how can every company make the same claim? This is how they do it.

All companies are able to cherry pick for the driver that earns them a profit. An example of a profitable customer could be between 25 and 40, has no tickets, and drives newer vehicles. Any new insured who matches those parameters will get the preferred rates and is almost guaranteed to save a lot of money.

Potential insureds who don't meet this ideal profile must pay more money which leads to business going elsewhere. The ads state "drivers who switch" but not "drivers who get quotes" save that much. That's the way insurance companies can claim big savings.

This illustrates why drivers should get a wide range of price quotes. It's just too difficult to predict which car insurance company will give you the biggest savings.

More information is available on the California Department of Insurance website. Click here for link. Consumers can find out which companies have the most complaints, discover disciplinary actions, and view agent and company licensing information.

Also read more on this link for California car insurance quotes and this link which helps you find a Kings Beach agent.

car insurance in Kings Beach

Shop smart and save

Affordable car insurance can be purchased from both online companies and also from your neighborhood Kings Beach agents, so you should compare both to have the best chance of lowering rates. A few companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

When trying to cut insurance costs, do not skimp on coverage in order to save money. In too many instances, an insured dropped comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.

Insureds change insurance companies for any number of reasons including questionable increases in premium, delays in responding to claim requests, policy non-renewal and even policy cancellation. It doesn't matter what your reason, switching car insurance companies is less work than it seems.