Consumer Tested Strategies to Save on Martinez Auto Insurance

Having to pay for overpriced auto insurance can overdraw your checking account and put a big crunch on your finances. Comparing price quotes is a great way to reduce premiums and put more money in your pocket. Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with advertising and it is challenging if not impossible to sift through the bull and find the best price available.

If you have a current auto insurance policy or are shopping for new coverage, you can learn to get lower rates while maximizing coverage. Finding the best rates in Martinez is quite easy. California drivers only need an understanding of the most effective way to shop for auto insurance over the internet.

These discounts can lower your rates

Companies offering auto insurance don't list all available discounts in a way that's easy to find, so we researched some of the best known and the harder-to-find discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

  • Fewer Miles Equal More Savings - Fewer annual miles could be rewarded with a substantially lower rate.
  • Paperless Signup - Some insurance companies give back up to $50 simply for signing digitally online.
  • Senior Discount - If you qualify as a senior citizen, you may be able to get reduced rates.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to enroll in driver's education if it's offered in school.
  • Military Rewards - Being deployed with a military unit may qualify for rate reductions.
  • Good Student Discount - Performing well in school can save 20 to 25%. Earning this discount can benefit you well after school through age 25.
  • Life Insurance Discount - Larger companies have better rates if you take out life insurance from them.

It's important to understand that some of the credits will not apply to all coverage premiums. Most cut the price of certain insurance coverages like liability and collision coverage. So despite the fact that it appears you would end up receiving a 100% discount, it doesn't quite work that way.

auto insurance in Martinez

Are you falling for claims of savings?

California drivers get pounded daily by advertisements for car insurance savings by companies like 21st Century, Allstate and State Farm. All the companies have a common claim of big savings after switching to them.

How can each company say the same thing? This is how they do it.

Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a profitable customer might be profiled as a mature driver, insures multiple vehicles, and drives newer vehicles. A propective insured that hits that "sweet spot" gets the lowest rates and as a result will probably save when they switch companies.

Drivers who are not a match for the requirements must pay a higher premium and this can result in business not being written. The ads say "drivers who switch" not "everybody who quotes" save money. This is how insurance companies can confidently claim big savings. This illustrates why you should get as many quotes as possible. It's not possible to predict which insurance companies will give you the biggest savings.

More tips and info about auto insurance is located at the California Department of Insurance website. California drivers can discover disciplinary actions, get help finding coverage, learn about insurance regulations, and download brochures.

And the best car insurance company is...

Low-cost auto insurance can be bought on the web and with local Martinez insurance agents, and you need to price shop both to have the best selection. A few companies do not offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There are a lot of situations where drivers have reduced liability coverage limits only to discover later that it was a big mistake. The proper strategy is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.