How to Find Cheap La Selva Beach Auto Insurance

Are you intimidated by the crazy number of auto insurance choices in La Selva Beach? You're not the only one! Drivers have so many options available that it can turn into a real hassle to find the best price.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of the factors that go into determining auto insurance rates. Knowing what impacts premium levels empowers consumers to make smart changes that could result in better auto insurance rates.

  • Liability coverage is cheap - Liability insurance provides coverage if a jury decides you are liable for personal injury or accident damage. It will provide for a legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so do not skimp.
  • Do you know your deductibles? - The deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. A few examples of covered claims are colliding with a building, collision with an animal, and rolling your vehicle. The higher the amount you have to pay, the less your auto insurance will be.
  • Traffic citations inflate rates - Whether or not you get tickets has a lot to do with how much you pay for insurance. Only having one moving violation can bump up the cost twenty percent or more. Drivers who don't get tickets receive lower rates than bad drivers. Drivers with serious tickets like DUI or reckless driving are required to file a SR-22 with the DMV in their state in order to continue driving.
  • Having a spouse can save you money - Having a spouse can actually save you money on auto insurance. Having a spouse translates into being more responsible and it's statistically proven that being married results in fewer claims.
  • Car features impact rates - Choosing a vehicle that has an advanced theft prevention system can get you a discount on your auto insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system can thwart auto theft.
  • Consolidate policies to earn discounts - Most insurance companies will award you with lower prices to people who carry more than one policy in the form of a multi-policy discount. Even if you're getting this discount you may still want to comparison shop to verify if the discount is saving money. You may still be able to find a better deal by insuring with multiple companies.

Compare Quotes for La Selva Beach Auto Insurance

There are several ways of comparing rate quotes from auto insurance companies in your area. One of the best ways to find the lowest rates is to perform an online rate comparison. This is very easy and can be done in several different ways.

  1. The fastest way to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This type of form keeps you from doing separate quotes for each company. Filling out one form will return quotes instantly. Recommended for those who want to invest the least amount of time.
  2. A less efficient way to compare rate quotes is to take the time to go to each individual company website and complete a new quote form. For instance, let's say you want to compare rates from , and . You would have to go to every website and enter your information, which is why most consumers use the first method.

    To view a list of companies in La Selva Beach, click here.
  3. The most time-consuming method to compare rates is to spend your day driving to and from local insurance agencies. Shopping for auto insurance online eliminates the need for an insurance agent unless you prefer the trained guidance of a licensed agent. It is possible to find lower rates online and still use a local agent and we'll touch on that later.

Whichever method you choose, ensure you are comparing identical coverages and limits on every quote. If you use different deductibles it will be next to impossible to make a fair comparison in La Selva Beach. Slightly different coverages can result in a big premium difference. Just remember that comparing a large number of companies helps locate a lower rate.

Take advantage of discounts

Car insurance companies don't list all available discounts very clearly, so we took the time to find some of the best known and the more hidden discounts you could be receiving.

  • Organization Discounts - Affiliation with a qualifying organization may earn a discount when buying auto insurance.
  • Homeowners Discount - Owning a home in La Selva Beach can save you money because owning a home is proof that your finances are in order.
  • Discount for Good Grades - This discount can save 20 to 25%. This discount can apply until age 25.
  • Payment Discounts - By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, some credits don't apply to all coverage premiums. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you won't be that lucky.

To choose insurers offering auto insurance discounts in California, click here.

Are auto insurance companies telling the truth?

Allstate, GEICO and Progressive constantly bombard you with ads on TV and radio. All the companies have a common claim about savings if you switch your coverage to them. How does each company say the same thing?

Different companies are able to cherry pick for the type of customer that makes them money. For example, a profitable customer might be profiled as between the ages of 40 and 55, has no driving citations, and drives less than 7,500 miles a year. A propective insured that hits that "sweet spot" is entitled to the best price and most likely will save when switching.

Consumers who don't qualify for these standards must pay higher rates and this can result in business not being written. Company advertisements say "people who switch" not "people who quote" save that much money. That's the way companies can truthfully advertise the way they do. This illustrates why you need to compare as many rates as you can. It's not possible to predict which auto insurance company will provide you with the cheapest rates.

Even more information can be found at the California Department of Insurance website. California drivers can find out which companies have the most complaints, report car insurance fraud, and file complaints about a company.

Affordable insurance is out there

Cheaper auto insurance is available on the web as well as from independent agents in La Selva Beach, so you should be comparing quotes from both to get a complete price analysis. Some auto insurance companies don't offer online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we covered a lot of ways to compare auto insurance prices online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. Drivers may discover the lowest priced auto insurance comes from a company that doesn't do a lot of advertising.

Drivers switch companies for many reasons like questionable increases in premium, lack of trust in their agent, poor customer service or even an unsatisfactory settlement offer. No matter why you want to switch, finding the right auto insurance provider is easier than you think.