10 Tricks Guaranteed to Save on Car Insurance Costs in Laguna Woods, CA

Are you sick and tired of not being able to afford each month for car insurance? You're in the same situation as many other California consumers.

Because there are so many car insurance companies to choose from, it can be challenging to pick the lowest cost company.

Cheap Laguna Woods Car Insurance Comparisons

There are several ways you can shop for car insurance and some are easier and takes less work. You can spend countless hours driving to insurance companies in Laguna Woods, or you could save time and use online quotes to get the quickest rates.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to complete one form, and each company returns a competitive quote based on the submitted data. This saves time by eliminating repetitive form submissions to each individual car insurance company.

To submit your quote information now, click to open in new window.

The only downside to pricing coverage this way is you can't choose the providers to get quotes from. So if you prefer to pick specific insurance companies to compare prices, we have assembled a list of car insurance companies in California. View list of California insurance companies.

It's up to you which method you use, but ensure you're using apples-to-apples coverages with every price quote. If you enter different limits and deductibles on each one it will be impossible to find the best deal in Laguna Woods. Quoting even small variations in limits may result in large price differences. And when price shopping your coverage, comparing more company's prices provides better odds of finding lower pricing.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be applied at the time you complete a quote, but some must be asked about prior to getting the savings.

  • Seat Belts Save - Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Employee of Federal Government - Being employed by or retired from a federal job may qualify you for a discount with a few car insurance companies.
  • Life Insurance - Some companies give a break if you buy auto and life insurance together.
  • Low Mileage Discounts - Keeping the miles down can qualify you for discounted rates on garaged vehicles.
  • Driver's Ed - Have your child successfully complete driver's ed class in high school.
  • One Accident Forgiven - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Lower Rates for Military - Being on active duty in the military can result in better rates.
  • Paperwork-free - A handful of insurance companies may give you up to $50 just for signing your application online.
  • Defensive Driving Course - Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Senior Citizens - Mature drivers can possibly qualify for a small decrease in premiums.

Keep in mind that most discount credits are not given to the entire cost. Most only cut individual premiums such as comp or med pay. Just because it seems like all those discounts means the company will pay you, it just doesn't work that way. But any discount will help reduce the amount you have to pay.

To see a list of insurance companies with the best car insurance discounts in California, click here to view.

Learn more today

More information is available on the website for the California Department of Insurance located here. Visitors are able to find a variety of consumer forms, download brochures, file complaints about an insurance agent or broker, and find disaster information.

Additional helpful sites include this site for car insurance information in California and this list of agents in Laguna Woods, CA.