Consumer Tested Strategies to Save on Lakewood Auto Insurance

Tired of trying to scrape together enough money each month for car insurance? You are no different than most other car owners in California.

Multiple compete for your business, so it's not easy to compare every and uncover the absolute lowest rate

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Lakewood is easy if you know what you're doing. But California drivers do need to know how companies sell online.

auto insurance in Lakewood

Don't pay full price with these discounts

Companies don't necessarily list all available discounts in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Service Members Pay Less - Having a deployed family member may qualify for rate reductions.
  • No Accidents - Claim-free drivers pay less when compared with frequent claim filers.
  • Paperless Signup - Certain companies will discount your bill up to fifty bucks for buying a policy and signing up on their website.
  • Fewer Miles Equal More Savings - Fewer annual miles could qualify for lower rates on the low mileage vehicles.
  • Driver Safety - Completing a course in driver safety could save 5% or more depending on where you live.
  • Save over 55 - Older drivers may be able to get better auto insurance rates.
  • One Accident Forgiven - A few companies will allow you to have one accident without raising rates so long as you haven't had any claims prior to the accident.
  • Student Driver Training - Require your teen driver to enroll in driver's education if it's offered in school.
  • Club Memberships - Participating in certain professional organizations could qualify you for a break when buying auto insurance.
  • Employee of Federal Government - Simply working for the federal government can save as much as 8% depending on your company.

Drivers should understand that most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like you can get free auto insurance, companies wouldn't make money that way.

For a list of insurers who offer auto insurance discounts in Lakewood, follow this link.

How to Compare Lakewood Auto Insurance Rates

There are multiple methods you can shop for auto insurance but there is one way that is less time-consuming than others. You can waste hours talking about coverages with insurance companies in Lakewood, or you can stay home and use the web to get pricing more quickly.

Most car insurance companies enroll in a system that enables customers to complete one form, and every company provides a quote. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to using this type of form is you cannot specify the companies to get pricing from. So if you prefer to pick specific providers to compare rates, we have a page of the cheapest auto insurance companies in California. Click to view list.

It doesn't matter which method you choose, just ensure you're using the exact same quote information with each company. If you compare mixed coverages it will be very difficult to make an equal comparison in Lakewood. Just a small difference in insurance coverages may cause a big price difference. And when price shopping your coverage, obtaining a wide range of quotes will increase your chances of finding the best offered rates.

Shop smart and save

Budget-conscious auto insurance can be sourced online and also from your neighborhood Lakewood agents, so you should compare both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

As you prepare to switch companies, you should never sacrifice coverage to reduce premiums. There are a lot of situations where an accident victim reduced full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.