How to Know You're Wasting Money for Auto Insurance in Moraga

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Trust us, there are lots of people in the same boat. You have multiple to buy insurance from, and though it is a good thing to have a selection, having more makes it harder to compare rates.

Compare Quotes for Moraga Auto Insurance

Cutting your auto insurance rates is a fairly straight forward process. Consumers just need to take a few minutes comparing price quotes online from several insurance companies. This can be done using a couple different methods.

  • The recommended way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form keeps you from doing separate forms for every auto insurance company. Filling out one form compares rates from several companies.
  • A slightly less efficient method to shop for auto insurance online is going to the website of each company and fill out their own quote form. For instance, we'll assume 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 the first method is more popular.

    For a list of links to companies insuring cars in Moraga, click here.
  • The most time-consuming method to compare rates is driving to insurance agents' offices. The internet has reduced the need for local agents unless you require the professional advice of a local agent. It is possible to get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

However you get your quotes, ensure you are comparing identical coverage limits and deductibles for each comparison quote. If you use different liability limits it will be impossible to determine the lowest rate in Moraga.

Policy discounts you shouldn't miss

Companies do not advertise every discount very clearly, so we took the time to find both the well known as well as the least known discounts you could be receiving. If you're not getting every credit possible, you're paying more than you need to.

  • Accident Free - Drivers with accident-free driving histories can save substantially when compared to bad drivers.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • No Charge for an Accident - Certain companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.

Keep in mind that some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as comp or med pay. Just because it seems like all the discounts add up to a free policy, it just doesn't work that way.

To see a list of insurance companies offering auto insurance discounts in California, click here.

Learn more about California auto insurance

Additional detailed information can be found at the California Department of Insurance website. Visitors are able to read industry bulletins, report car insurance fraud, read consumer alerts, and read enforcement actions against agents and companies.