Comparing Cheap Live Oak Car Insurance

Tired of not being able to afford each month for car insurance? Your situation is no different than millions of other consumers. There are many to buy insurance from, and even though it's nice to have multiple companies, it makes it harder to compare rates.

The purpose of this post is to let you in on the best way to quote coverages and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this information. California drivers only need an understanding of the proper way to compare company rates over the internet.

Be sure to get all your discounts

Properly insuring your vehicles can get expensive, but there are discounts available to cut the cost considerably. Some trigger automatically when you get a quote, but a few must be inquired about before you will receive the discount. If you're not getting every credit available, you are throwing money away.

  • Use Seat Belts - Using a seat belt and requiring all passengers to use a seat belt could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few car insurance companies.
  • Distant Student - Children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • New Car Discount - Putting insurance coverage on a new car is cheaper due to better safety requirements for new cars.
  • Early Switch Discount - Some insurance companies reward drivers for switching to them prior to your current policy expiring. It's a savings of about 10%.
  • Good Students Pay Less - Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you well after school through age 25.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.
  • Discount for Life Insurance - Larger companies have a discount if you purchase auto and life insurance together.

Consumers should know that most credits do not apply to the entire cost. Some only apply to individual premiums such as comp or med pay. Even though it may seem like all those discounts means the company will pay you, companies don't profit that way. Any qualifying discounts will bring down the amount you have to pay.

Is there truth in advertising?

Consumers get pounded daily by advertisements for the lowest price auto insurance by companies like Progressive, Allstate and GEICO. They all say the same thing of big savings after switching to them.

How does each company make the same claim?

All the different companies can use profiling for the type of driver that earns them a profit. For instance, a driver they prefer could be between 25 and 40, is a homeowner, and has great credit. A customer who fits that profile will qualify for the lowest rates and is almost guaranteed to save when switching.

Drivers who don't measure up to these standards will be quoted higher premiums which usually ends up with business going elsewhere. The ad wording is "customers that switch" but not "drivers who get quotes" save money. That's why insurance companies can confidently advertise the savings.

This emphasizes why you should get a wide range of price quotes. Because you never know the company that will fit your personal profile best.

Learn more today

Additional car insurance information is located on the website for the California Department of Insurance located here. Consumers can find a variety of consumer forms, read industry bulletins, read enforcement actions against agents and companies, and learn about specific coverages.

In the end, you save

When you buy insurance online, it's very important that you do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage and learned later that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.

We just showed you a lot of information how to reduce car insurance prices online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. You may even discover the most savings is with some of the lesser-known companies. Regional companies may often insure only within specific states and give getter rates compared to the large companies like .