Getting Low-Cost Maywood Auto Insurance

Did you fall for a flashy sales pitch and buy overpriced auto insurance? Trust us, there are many Maywood consumers feeling the pinch from expensive auto insurance.

Since consumers have many different company options, it is very difficult to choose the right insurance company.

It's important to take a look at other company's rates at least once a year since insurance rates are constantly changing. Just because you had the best rates last year you may be paying too much now. You can find a lot of misleading information regarding auto insurance on the web, but I'm going to show you some great ways to slash your auto insurance rates.

How to Compare Maywood Auto Insurance Costs

The are a couple different ways to compare rate quotes from auto insurance companies in your area. The recommended way to find competitive insurance rates involves getting comparison quotes online. This can be accomplished using a couple different methods.

The first (and easiest) way to get quotes for comparison is a comparison rater form click here to open form in new window. This method prevents you from having to do separate forms for every auto insurance company. Completing one form will return quotes from several companies.

A harder way to shop for auto insurance online is to take the time to go to each individual company website to request a price quote. For instance, we'll pretend you want to compare rates from , and . To get rate quotes you would need to go to every website and enter your information, which is why most consumers use the first method.

For a list of links to companies insuring cars in Maywood, click here.

Whichever way you use, compare apples-to-apples coverages and limits for each price quote. If you use different deductibles it will be impossible to truly determine the lowest rate in Maywood. Just a small difference in limits may cause a big price difference. Just keep in mind that obtaining a wide range of quotes provides better odds of finding a lower rate.

Maywood Rates are Influenced by These Factors

It's important that you understand some of the elements that go into determining auto insurance rates. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower auto insurance prices.

Listed below are some of the items auto insurance companies consider when setting rates.

Marriage pays dividends - Getting married can actually save you money when buying auto insurance. It means you're more mature and it's statistically proven that being married results in fewer claims.
Policy add-ons can waste money - There are many extra coverages that you can buy if you aren't careful. Things like vanishing deductibles, towing coverage and term life insurance are examples of these. These coverages may sound good at first, but if they're wasting money remove them from your policy.
A clean driving record saves money - Your driving citation history has a big impact on rates. Just one ticket can boost insurance rates by as much as thirty percent. Careful drivers receive lower rates than bad drivers. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to continue driving.
Bundling policies can get discounts - Most companies will give a discount to people who have multiple policies with them, otherwise known as a multi-policy discount. Even with this discount, you may still want to shop around to ensure the best deal. You may still be able to find a better deal by splitting coverages up.
Your occupation can affect rates - Did you know your auto insurance rates can be affected by your occupation? Jobs such as real estate brokers, architects and stock brokers tend to have the highest rates attributed to high stress and lengthy work days. On the other hand, occupations like actors, students and homemakers receive lower rates.
Are you male or female? - Statistics demonstrate women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Women and men have accidents at a similar rate, but the males cause more damage. They also get cited for more serious violations like reckless driving and DUI. Young males are several times more likely to be in an accident and thus pay the highest rates.
Theft deterrents lower rates - Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your car from being stolen.

Policy discounts you shouldn't miss

Companies offering auto insurance don't list all their discounts very well, so the following is a list of some of the best known and the more hidden auto insurance savings.

Sign Online - Certain companies give back up to $50 just for signing your application online.
Defensive Driver - Completing a course teaching defensive driving skills could possibly earn you a 5% discount depending on where you live.
Early Signing - A few companies offer discounts for signing up before your current policy expires. This can save 10% or more.
Bundle and Save - When you have multiple policies with one company you may save up to 20% off your total premium.
Federal Government Employee - Simply working for the federal government can save as much as 8% with select insurance companies.

It's important to note that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, you're out of luck.

For a list of companies offering auto insurance discounts in California, follow this link.

Additional detailed information can be read at the California Department of Insurance website. California drivers can get help finding coverage, discover disciplinary actions, file complaints about a company, and read consumer alerts.

Other useful links include this page for California auto insurance and see this list of insurance agents in Maywood.

Affordable insurance is out there

Lower-priced auto insurance is available on the web and also from your neighborhood Maywood agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who may not provide online quoting and most of the time these small insurance companies sell through independent agents.

Throughout this article, we presented many ways to lower your auto insurance rates. The key thing to remember is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the lowest premiums are with an unexpected company. Smaller companies often have lower prices on specific markets compared to the large companies like .