Buy Cheap Moorpark Auto Insurance

Expensive auto insurance can empty your personal savings and force you to make sacrifices. Shopping your coverage around is a smart way to lower your monthly bill.

Drivers have multiple to buy insurance from, and although it's nice to have multiple companies, it can be more challenging to compare rates.

It's important to compare prices yearly because prices are constantly changing. Even if you think you had the best price last year you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because we're going to demonstrate how to quote online to eliminate unnecessary coverages and save money.

Save big with these discounts

Companies don't always list every available discount very clearly, so we took the time to find both the well known and also the lesser-known auto insurance savings.

Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
Discount for Life Insurance - Some companies give a discount if you purchase life insurance.
Safety Course Discount - Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
Resident Student - Children who attend school more than 100 miles from home and don't have a car may qualify for this discount.
E-sign - A few companies may give you up to $50 just for signing your application over the internet.

It's important to note that most credits do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you're out of luck.

But I don't know anything about car insurance

When it comes to buying the right insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Every situation is different and a cookie cutter policy won't apply. These are some specific questions can help discover if your situation might need an agent's assistance.

Can I get a multi-policy discount for packaging my home and auto coverage?
What happens if I owe more than my vehicle is worth?
Should I rate my vehicle as pleasure use or commute?
Why does it cost so much to insure a teen driver in Moorpark?
Does my liability insurance cover pulling a trailer or camper?
Does my personal policy cover me when driving my company car?
Is my nanny covered when driving my vehicle?

If you don't know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don't have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance ads bend the truth

Companies like Allstate and Progressive consistently run ads on TV and radio. All the ads say the same thing that you can save if you change to their company. How does each company claim to save you money? It's all in the numbers.

Insurance companies have a preferred profile for the driver that earns them a profit. For example, a preferred risk might be between the ages of 30 and 50, has no prior claims, and drives newer vehicles. A customer getting a price quote who fits that profile gets the lowest rates and most likely will save when switching.

Potential customers who fall outside these standards will be charged a higher premium which usually ends up with the customer not buying. The ads say "customers who switch" not "people who quote" save that much. This is how insurance companies can claim big savings. That is why you should get a wide range of price quotes. It's impossible to know which insurance companies will give you the biggest savings.

Learn more about auto insurance in California

Additional detailed information can be found at the California Department of Insurance website. Visitors are able to find out industry alerts, file complaints about an insurance agent or broker, discover disciplinary actions, and read enforcement actions against agents and companies.

Do the work, save more money

When trying to cut insurance costs, it's very important that you do not buy lower coverage limits just to save a few bucks. Too many times, consumers will sacrifice physical damage coverage only to regret at claim time that it was a big mistake. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Lower-priced auto insurance is attainable both online and also from your neighborhood Moorpark agents, and you should compare price quotes from both to have the best rate selection. A few companies may not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.