7 Discounts Lafayette Consumers Forget when Comparing Car Insurance

Tired of scraping the payment together each month for car insurance? Your situation is no different than many other California consumers. You have so many to buy insurance from, and even though it's nice to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around once or twice a year since rates are constantly changing. If you had the best rates a few years ago you may be paying too much now. There is a lot of bad information regarding car insurance on the web, but I'm going to show you some great ways to slash your car insurance rates.

Locating the lowest cost car insurance coverage in Lafayette can be fairly easy. If you are insured now or are looking for a new policy, you can use these techniques to find the best rates and still get good coverage. California drivers only need an understanding of the best way to get comparison rates online.

Fast and Easy Lafayette Car Insurance Quotes

Getting better car insurance pricing is surprisingly easy. You just have to take time comparing rate quotes provided by online insurance companies. This can be done in a couple of different ways.

The first (and easiest) way to find low rates is to use a rate comparison form click to view form in new window. This method eliminates the need for separate quotes for each company you want a rate for. Taking the time to complete one form will return price quotes instantly.

A different way to get quotes online consists of visiting each individual company website and fill out their own quote form. For examples sake, let's say you want rates from , and . To get each rate you have to take the time to go to each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in Lafayette, click here.

Whichever way you use, double check that you are using identical deductibles and coverage limits for every quote you compare. If the quotes have different values for each quote it's not possible to determine the best price in Lafayette.

Save big with these seven discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit. If you're not getting every credit available, you're just leaving money on the table.

  • Homeowners Pay Less - Owning a house in Lafayette may trigger a car insurance policy discount because of the fact that having a home demonstrates responsibility.
  • Drivers Education - Require your teen driver to complete a driver education course in high school.
  • Pay Upfront and Save - If you pay your bill all at once rather than paying monthly you could save up to 5%.
  • One Accident Forgiven - Certain companies will forgive one accident without raising rates as long as you don't have any claims for a set time period.
  • Theft Prevention Discount - Anti-theft and alarm systems prevent vehicle theft and will save you 10% or more.
  • Defensive Driving Course - Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Discount for Life Insurance - Larger companies have a discount if you purchase life insurance.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies don't profit that way. Any qualifying discounts will bring down your overall premium however.

For a list of companies with the best car insurance discounts in California, follow this link.

Additional car insurance information can be read on the website for the California Department of Insurance located here. Consumers can get help finding coverage, download brochures, view a list of available companies, and learn about insurance regulations.

compare Lafayette car insurance rates

And the best car insurance company is...

Cost effective car insurance is possible from both online companies as well as from independent agents in Lafayette, so you should be comparing quotes from both so you have a total pricing picture. Some car insurance companies don't offer online quoting and most of the time these small insurance companies sell through independent agents.

When shopping online for car insurance, never reduce needed coverages to save money. In many cases, an insured dropped collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.