Finding the Cheapest Murphys Auto Insurance

Nobody looks forward to paying for auto insurance, especially knowing the cost is too high. Companies like State Farm, Allstate, GEICO and Progressive all promote huge savings with ad campaigns and it can be hard to sift through the bull and find the best price available.

It's important to price shop coverage periodically since insurance rates are constantly changing. Despite the fact that you may have had the best rates a couple years back there may be better deals available now. There is a lot of bad advice regarding auto insurance online but we're going to give you some great ways to stop overpaying for insurance.

Murphys auto insurance quote

Be sure to get all your discounts

Car insurance companies don't always advertise every available discount in a way that's easy to find, so the following is a list of some of the best known and also the lesser-known savings tricks you should be using. If you aren't receiving every discount you qualify for, you're just leaving money on the table.

  • Anti-lock Brake System - Vehicles with anti-lock braking systems can reduce accidents and will save you 10% or more.
  • Good Student - Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Senior Discount - Older drivers may be able to get a discount up to 10%.
  • Drivers Ed for Students - Require your teen driver to take driver's ed class if it's offered in school.
  • No Claims - Good drivers with no accidents pay less compared to frequent claim filers.

Keep in mind that most discount credits are not given to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. Just because you may think you would end up receiving a 100% discount, it just doesn't work that way.

For a list of providers who offer auto insurance discounts in Murphys, click here to view.

How to Get Murphys Auto Insurance Comparison Quotes

There are several ways to shop for auto insurance, but some are less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in Murphys, or you could use online quotes to get rates in a matter of minutes.

Most car insurance companies are enrolled in a marketplace that allows shoppers to submit their information once, and each participating company can give them a price for coverage. This saves time by eliminating quote requests to each individual auto insurance company.

To submit your quote information now, click here (opens in new window).

The one disadvantage to doing it this way is you can't choose the companies you want to price. So if you prefer to choose individual companies to compare prices, we have assembled a list of companies who write auto insurance in California. Click to view list.

It's up to you which method you use, but be sure to compare exactly the same coverage information for each price quote. If you use unequal deductibles or liability limits then you won't be able to truly determine the lowest rate in Murphys.

How do I know if I need professional advice?

When it comes to choosing coverage for your vehicles, there really is not a single plan that fits everyone. Every situation is different so your insurance should reflect that For example, these questions may help highlight whether or not you might need an agent's assistance.

  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in California?
  • Should I buy additional glass protection?
  • Is my cargo covered for damage or theft?
  • What companies insure drivers after a DUI or DWI?
  • Do I have coverage when using my vehicle for my home business?

If you're not sure about those questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area. It's fast, free and you can get the answers you need.

In the end, you save

As you go through the steps to switch your coverage, it's not a good idea to sacrifice coverage to reduce premiums. Too many times, someone dropped full coverage and found out when filing a claim that the savings was not a smart move. The aim is to buy enough coverage at the best price, not the least amount of coverage.

Throughout this article, we presented some good ideas how you can get a better price on auto insurance. The most important thing to understand is the more quotes you get, the higher the chance of saving money. Drivers may discover the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost compared to the large companies like .