Buy Low-Cost North Highlands Auto Insurance

Paying for high-priced auto insurance can take a big chunk out of your savings account and make it impossible to make ends meet. Comparison shopping is a smart way to help make ends meet.

Because you have many online and local companies to choose from, it can be hard to locate the most affordable provider.

Don't pay full price with these discounts

Companies that sell car insurance don't always list every discount very well, so here is a list both well-publicized as well as the least known auto insurance savings.

Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save up to 5%.
Distant Student - Children who live away from home and do not have access to a covered vehicle may be able to be covered for less.
Multiple Policy Discount - If you have multiple policies with the same insurance company you could get a discount of at least 10% off all policies.
Theft Prevention Discount - Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
Clubs and Organizations - Participating in a professional or civic organization could qualify you for a break when shopping for auto insurance.
Low Mileage Discounts - Fewer annual miles can qualify you for lower rates on the low mileage vehicles.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. Even though it may seem like all the discounts add up to a free policy, you won't be that lucky.

Tips to Get Lower North Highlands Rates

Smart consumers have a good feel for some of the elements that help determine the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

Car features impact rates - Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features like LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system all aid in stopping your car from being stolen.
Older drivers pay less - Teen drivers in California are known to be careless and easily distracted when driving so auto insurance rates are higher. If you've ever had to add a young driver onto a policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and tend to be better behind the wheel.
Where you live can impact rates - Residing in small towns and rural areas can save you money when insuring your vehicles. City drivers tend to have traffic congestion and much longer commute distances. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
How many coverages with the same company - Many companies provide better rates to customers who buy several policies from them, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to compare other company rates to verify if the discount is saving money.
Liability coverage is cheap - Liability coverage is the protection when a court rules you are at fault for personal injury or accident damage. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability insurance is quite affordable when compared with rates for comp and collision, so buy as much as you can afford.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone's needs are different and a cookie cutter policy won't apply. Here are some questions about coverages that may help you determine whether or not you may require specific advice.

What can I do if my company won't pay a claim?
Do I pay less if my vehicle is kept in my garage?
What is the difference between comprehensive and collision coverage?
Do I need special endorsements for business use of my vehicle?
Are rental cars covered under my policy?
Is my vehicle covered for flood damage?
Does my liability insurance cover pulling a trailer or camper?
Do I qualify for additional discounts?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

The auto insurance bait and switch

Auto insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all say the same thing about savings after switching your coverage to them. But how can every company make almost identical claims?

Insurance companies have a preferred profile for the type of customer that earns them a profit. An example of a driver they prefer could possibly be over the age of 50, insures multiple vehicles, and has excellent credit. A customer getting a price quote who fits that profile is entitled to the best price and therefore will save a lot of money.

Consumers who don't measure up to this ideal profile will be quoted higher rates which usually ends up with the driver buying from a lower-cost company. The ads state "customers that switch" not "everyone that quotes" save that much money. This is how companies can truthfully make those claims. This emphasizes why drivers should get quotes from several different companies. It's impossible to know which insurance companies will have the lowest rates.

More sites with auto insurance information

Even more information is available at the California Department of Insurance website. California consumers can view a list of available companies, read enforcement actions against agents and companies, view agent and company licensing information, and read consumer alerts.

Also read more on this page for auto insurance prices in California and this list of insurance agents in North Highlands, CA.

Final considerations

While you're price shopping online, do not skimp on coverage in order to save money. There have been many situations where drivers have reduced liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

Cheaper auto insurance can be purchased online as well as from independent agents in North Highlands, and you should be comparing both to get a complete price analysis. Some companies don't offer you the ability to get quotes online and these smaller companies work with independent agents.