How to Get Cheap North Hills Car Insurance

People who are new to buying insurance online might discover finding low-cost North Hills car insurance is harder than they anticipated.

Finding affordable coverage in North Hills is easy if you know what you're doing. In a nutshell, everyone who is required by state law to have car insurance will be able to save money. But California car owners do need to know how insurance companies sell insurance online and apply this information to your search.

North Hills Car Insurance Quote Comparison

The are a couple different ways to compare rate quotes from different North Hills insurance companies. The best method to find the cheapest insurance rates is simply to get online rate quotes. This can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This type of form keeps you from doing a different quote for each company you want a rate for. A single form will return quotes . Recommended for those who want to invest the least amount of time.
  • A different way to shop for car insurance online is to take the time to go to the website of each company and fill out their own quote form. For examples sake, let's assume you want to compare , and . To get each rate you have to take the time to go to each site and enter your information, which is why the first method is more popular.

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

However you get your quotes, make absolute certain that you use identical coverages and limits for each comparison quote. If the quotes have different deductibles it's impossible to determine the lowest rate in North Hills. Slightly different insurance coverages can result in a big premium difference. And when quoting car insurance, remember that comparing a large number of companies helps locate a lower rate.

Policy discounts you shouldn't miss

Auto insurance companies don't necessarily list every discount very clearly, so we took the time to find some of the more common as well as the least known discounts you could be receiving.

  • Federal Employees - Being employed by or retired from a federal job could cut as much as 10% off with a few car insurance companies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Good Student - A discount for being a good student can earn a discount of 20% or more. This discount can apply until age 25.
  • Accident Forgiveness - Certain companies will forgive one accident before raising your premiums if your claims history is clear for a set time period.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Memberships - Belonging to a qualifying organization may earn a discount when shopping for car insurance.
  • Multi-car Discount - Buying insurance for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Multiple Policy Discount - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Defensive Driver - Successfully completing a driver safety course can save you 5% or more and easily recoup the cost of the course.

Drivers should understand that some of the credits will not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though it sounds like all the discounts add up to a free policy, companies wouldn't make money that way.

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

Insurance agents can help

When choosing the right insurance coverage for your vehicles, there isn't really a "perfect" insurance plan. Everyone's situation is a little different.

For example, these questions might point out whether your personal situation may require specific advice.

  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Do I need to file an SR-22 for a DUI in California?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need special endorsements for business use of my vehicle?
  • Are rental cars covered under my policy?
  • Am I covered when driving on a suspended license?

If you can't answer these questions but a few of them apply, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

For more California car insurance information

More detailed California car insurance information can be found at the California Department of Insurance website. Consumers can download brochures, find out industry alerts, and file complaints about a company.