Car Insurance in Leona Valley, CA - 9 Discounts You Might be Losing Out On

I can't think of anyone who likes paying for car insurance, especially when the cost is too high.

Numerous battle for your hard-earned dollar, and it can be difficult to compare rates to get the lowest rate

More discounts equal less premium

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don't even know exist. Some trigger automatically at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit.

Homeowners Savings - Owning a home in Leona Valley may earn you a small savings because owning a home demonstrates responsibility.
Early Signing - Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
Anti-theft Discount - Vehicles equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Defensive Driver - Completing a driver safety course can save you 5% or more if you qualify.
Payment Discounts - If paying your policy premium upfront instead of monthly or quarterly installments you could save 5% or more.
Student Driver Training - Make teen driver coverage more affordable by requiring them to enroll in driver's education in school.
Military Discounts - Having a family member in the military could mean lower rates.
Multi-car Discount - Having more than one vehicle on one policy qualifies for this discount.
No Claims - Good drivers with no accidents pay less when compared with drivers who are more careless.

Keep in mind that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way. But any discount will cut your premiums.

It's not one size fits all

When it comes to buying coverage for your vehicles, there is no "perfect" insurance plan. Everyone's situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if you would benefit from an agent's advice.

When do I need to add a new car to my policy?
Does my car insurance cover rental cars?
Does my personal auto insurance policy cover using my vehicle for business use?
Do I really need UM/UIM coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?
Do I have any recourse if my insurance company denies a claim?

If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Switch companies and save? Really?

Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies make the same claim that you can save if you switch your policy. How do they all make the same claim? This is how they do it.

All companies have a certain "appetite" for the right customer that earns them a profit. A good example of a profitable customer could be between 25 and 40, a clean driving record, and drives less than 7,500 miles a year. Any new insured who matches those parameters gets the lowest rates and therefore will cut their rates substantially.

Potential customers who do not match the "perfect" profile must pay higher prices which leads to business going elsewhere. Company advertisements say "drivers who switch" not "everyone that quotes" save that kind of money. That is how insurance companies can advertise the way they do.

This illustrates why you should get a wide range of price quotes. It's just too difficult to predict which company will provide you with the cheapest rates.

Additional California consumer information

More information can be read on the website for the California Department of Insurance. Click here for link. Consumers can report car insurance fraud, file complaints about a company, read consumer alerts, and discover disciplinary actions.

The best insurance company isn't always the cheapest

Affordable car insurance can be found from both online companies in addition to many Leona Valley insurance agents, so you should compare both so you have a total pricing picture. Some car insurance companies do not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

You just learned many ideas to reduce car insurance prices online. The key thing to remember is the more rate comparisons you have, the better chance you'll have of finding lower rates. You may even discover the most savings is with a smaller regional carrier. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as .

When shopping online for car insurance, you should never buy lower coverage limits just to save a few bucks. In too many instances, someone dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.