Car Insurance in Lindsay, CA - 5 Tricks to Save Money

Finding the lowest cost Lindsay car insurance online can be somewhat difficult for people who are new to buying insurance on the web. With so many choices of online companies available, how can consumers effectively compare them all to find the lowest rates?

Compare Car Insurance Today

All major car insurance companies such as State Farm, Allstate and GEICO allow you to get insurance quotes online. Getting quotes doesn't take much effort as you simply type in your required coverages into the quote form. After the form is submitted, their rating system will obtain your driving record and credit report and returns a price.

Quoting online makes it a lot easier to compare rates but having to visit several different sites and fill out multiple forms is repetitive and time-consuming. Unfortunately, it is important to perform this step in order to find a lower rate.

The preferred way to compare car insurance pricing is to use a quote form that gets prices from many companies. It's a real time-saver, requires less work, and makes quoting online a little more enjoyable. After your information is entered, it is rated and you can select any of the resulting price quotes. If one or more price quotes are lower than your current rates, it's easy to complete the application and buy the policy. The entire process only takes a few minutes and may save quite a bit of money.

To find out how much you're overpaying now, click here and complete the simple form. If you have a policy now, it's recommended you enter the coverages as shown on your current policy. This makes sure you will receive rate comparison quotes for the exact same coverage.

More discounts equal less premium

Companies offering auto insurance do not list every discount in an easy-to-find place, so here is a list some of the more common and the harder-to-find discounts you could be receiving. If they aren't giving you every credit you deserve, you are paying more than you should be.

Payment Method - By paying your policy upfront instead of making monthly payments you could save 5% or more.
Life Insurance Discount - Some companies give lower rates if you buy a life insurance policy as well.
Multiple Vehicles - Having multiple vehicles with the same company qualifies for this discount.
Government Employees - Employees or retirees of the government can save as much as 8% with a few car insurance companies.
Early Switch Discount - Select companies give a discount for switching to them prior to your current policy expiration. It's a savings of about 10%.

Keep in mind that some credits don't apply to your bottom line cost. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because you may think it's possible to get free car insurance, it just doesn't work that way.

To choose insurance companies who offer car insurance discounts in Lindsay, click here.

Switch companies and save? Really?

Consumers can't ignore all the ads for car insurance savings from companies such as State Farm, Allstate and GEICO. They all have a common claim that you can save after switching your policy.

How do they all make the same claim? This is how they do it.

All companies have a preferred profile for the right customer that makes them money. An example of a driver they prefer could be between the ages of 30 and 50, has no prior claims, and has excellent credit. Any new insured that hits that "sweet spot" will get very good rates and therefore will cut their rates substantially.

Consumers who do not match the "perfect" profile will be quoted higher rates and this can result in business going elsewhere. The ads say "drivers who switch" not "everyone that quotes" save that kind of money. This is how insurance companies can make those claims. This emphasizes why you need to get as many quotes as possible. It's just too difficult to predict which insurance companies will have the lowest rates.

It's not one size fits all

When buying proper insurance coverage for your personal vehicles, there is no "perfect" insurance plan. Every insured's situation is different.

Here are some questions about coverages that can help discover if you might need an agent's assistance.

Are my tools covered if they get stolen from my vehicle?
When does my teenage driver need to be added to my policy?
What happens if I owe more than my vehicle is worth?
Am I covered when driving on a suspended license?
Am I covered when driving in Canada or Mexico?
Am I covered if I drive in a foreign country?
Does my car insurance cover rental cars?

If you can't answer these questions but a few of them apply, you might consider talking to a licensed agent. If you don't have a local agent, complete this form. It is quick, free and may give you better protection.

Additional detailed information is available at the California Department of Insurance website. Consumers can view a list of available companies, view agent and company licensing information, and file complaints about an insurance agent or broker.

In the end, you save

Drivers change insurance companies for any number of reasons including unfair underwriting practices, delays in paying claims, lack of trust in their agent or even extreme rates for teen drivers. It doesn't matter why you want to switch switching car insurance companies is easier than you think.

While you're price shopping online, never reduce coverage to reduce premium. There have been many situations where consumers will sacrifice liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to find the BEST coverage for the lowest price while still protecting your assets.

Affordable car insurance can be purchased from both online companies in addition to many Lindsay insurance agents, and you should compare price quotes from both to get a complete price analysis. Some companies do not provide online price quotes and these smaller companies work with independent agents.