Comparison Shop Lawndale Auto Insurance Prices With These Techniques

Purchasing the cheapest Lawndale auto insurance on the web is impossible for consumers new to comparison shopping online. With so many choices of online companies, how can you possibly compare the different rates to find the cheapest available price?

Take advantage of discounts

Companies offering auto insurance do not advertise all available discounts very well, so the following is a list of both the well known as well as the least known ways to save on auto insurance.

Driver Safety - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
Student in College - Any of your kids living away from home attending college and do not have access to a covered vehicle may qualify for this discount.
Accident Waiver - Some insurance companies will forgive one accident before raising your premiums so long as you haven't had any claims for a certain period of time.
Anti-theft System - Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
Auto/Home Discount - When you combine your home and auto insurance with the same company you could get a discount of 10% to 20% off each policy.
Paperless Signup - Some insurance companies may give you up to $50 for buying your policy online.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as liability and collision coverage. So despite the fact that it appears you could get a free auto insurance policy, you won't be that lucky.

To see a list of insurers who offer auto insurance discounts in California, click this link.

Free Quotes for Auto Insurance in Lawndale, California

There are several ways of comparing rates from local Lawndale auto insurance companies. The best method to find the lowest rates is to perform an online rate comparison. This can be done in several different ways.

The best way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This form keeps you from doing boring form submissions for each company. One form gets you price quotes from all major companies. This is by far the quickest method.
A slightly less efficient method to compare rate quotes requires visiting the website for every company you want to comare and fill out their own quote form. For example, we'll pretend you want comparison quotes from , and . You would have to visit each site and enter your policy data, which is why the first method is more popular.

To view a list of companies in Lawndale, click here.

It doesn't matter which method you choose, just make darn sure you compare apples-to-apples quote information for each comparison quote. If you compare mixed coverages it's not possible to determine the lowest rate in Lawndale. Having just a slight variation in coverages can mean a large discrepancy in price. And when comparison shopping, more quotes provides better odds of finding the best offered rates.

Why some people pay less for insurance in Lawndale

An important part of buying insurance is that you know the rating factors that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels allows you to make educated decisions that could result in better auto insurance rates.

Do you need the policy add-ons? - There are a ton of add-on coverages that you can get tricked into buying when buying auto insurance. Things like roadside assistance, accidental death and motor club memberships may be wasting your money. These may sound like a good investment when you first buy your policy, but if you don't need them remove them from your policy.
Mature drivers pay less - Youthful drivers in California are known to get distracted easily when driving so auto insurance rates are higher. If you've ever had to add a teenage driver to your policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations.
Women pay lower rates - Statistics have proven women tend to be less risk to insure than men. However, this does not mean women are better drivers. Men and women tend to get into accidents at a similar rate, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
Do you qualify for a multi-policy discount? - Many auto insurance companies will award you with lower prices to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to compare rates to make sure you are getting the best deal.
Occupation reflects on rates - Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, executives and stock brokers tend to pay the highest rates because of high stress levels and long work hours. On the other hand, professions such as pilots, students and performers have the lowest average rates.

How to know if you need help

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether your personal situation will benefit from professional help.

Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Lawndale?
Does my policy cover me when driving someone else's vehicle?
Do I need special endorsements for business use of my vehicle?
Am I covered when driving in Canada or Mexico?
Does medical payments coverage apply to all occupants?
Am I covered by my employer's commercial auto policy when driving my personal car for business?
When do I need to add a new car to my policy?

If it's difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don't have a local agent, fill out this quick form.

Are auto insurance companies telling the truth?

21st Century, Allstate and State Farm continually stream ads on TV and radio. All the companies make the same claim about savings after switching to them. But how can every company claim to save you money?

Different companies have a preferred profile for the type of driver that is profitable for them. A good example of a profitable customer might be between the ages of 40 and 55, insures multiple vehicles, and has a high credit rating. A customer getting a price quote who matches those parameters gets the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile must pay higher prices which leads to the customer not buying. The ads say "customers that switch" not "people who quote" save money. This is how companies can truthfully state the savings. This illustrates why drivers must get a wide range of price quotes. It's impossible to know which insurance companies will have the lowest rates.

Shop smart and save

Cheaper auto insurance can be sourced both online and with local Lawndale insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford while not skimping on critical coverages.

Insureds change insurance companies for a number of reasons such as delays in responding to claim requests, not issuing a premium refund, denial of a claim or policy cancellation. No matter why you want to switch, choosing a new insurance company is actually quite simple.

Even more information can be read at the California Department of Insurance website. Visitors are able to discover disciplinary actions, read enforcement actions against agents and companies, and learn about insurance regulations.

Additional helpful sites include this resource for California auto insurance prices and this link which helps you find a Lawndale agent.