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

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you there are many people just like you.

Big-name insurance companies like State Farm, Allstate, GEICO and Progressive promote their brand names with fancy advertisements and it is challenging if not impossible to sift through the bull and do the work needed to find the best deal.

It's important to take a look at other company's rates at least once a year because insurance rates are constantly changing. Just because you had the lowest rates a couple years back you will most likely find a better rate today. Starting right now, block out anything you think you know about auto insurance because you're about to learn the tricks you need to know to reduce your cost while increasing coverage.

If you currently have a car insurance policy, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates in Oak Hills is easy if you know what you're doing. But California drivers do need to know the way companies sell insurance online and use this information to your advantage.

These discounts can lower your rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Certain discounts will be applied at the time you complete a quote, but lesser-known reductions have to be asked about prior to getting the savings.

  • Sign Online - A few companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Defensive Driver - Successfully completing a course in driver safety could possibly earn you a 5% discount if you qualify.
  • Passive Restraint Discount - Factory air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
  • Drivers Ed for Students - Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • Save over 55 - If you qualify as a senior citizen, you may qualify for better auto insurance rates.
  • Payment Discounts - If you pay your entire premium ahead of time instead of monthly or quarterly installments you may reduce your total bill.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Discount for New Cars - Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Life Insurance - Select insurance companies reward you with better rates if you take out life insurance.

Consumers should know that most discounts do not apply the the whole policy. Some only apply to individual premiums such as liability, collision or medical payments. Just because it seems like adding up those discounts means a free policy, companies don't profit that way. But all discounts will reduce the cost of coverage.

Are you falling for claims of savings?

Auto insurance companies such as State Farm, GEICO and Progressive constantly bombard you with ads on television and other media. They all seem to make an identical promise that you'll save big if you switch to their company. How can each company make almost identical claims?

Insurance companies are able to cherry pick for the driver that earns them a profit. For example, a desirable insured could possibly be between the ages of 30 and 50, has no tickets, and drives less than 10,000 miles a year. A driver who meets those qualifications will qualify for the lowest rates and as a result will probably save when they switch companies.

Potential customers who are not a match for the requirements will have to pay a more expensive rate and ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "everybody who quotes" save that much. That's the way companies can advertise the way they do.

Because of the profiling, you should get a wide range of price quotes. It is impossible to predict which auto insurance company will provide you with the cheapest rates.

Find out more about auto insurance

Much more information about auto insurance in California can be found on the website for the California Department of Insurance located here. California consumers can get help finding coverage, discover disciplinary actions, find out industry alerts, and view a list of available companies.

auto insurance in Oak Hills

Do the work, save more money

Discount auto insurance is available online and also from your neighborhood Oak Hills agents, and you should compare price quotes from both to have the best rate selection. Some auto insurance companies may not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

In this article, we presented many tips how you can reduce auto insurance prices online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from the least-expected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as .

As you go through the steps to switch your coverage, it's not a good idea to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped uninsured motorist or liability limits only to regret that the savings was not a smart move. Your aim should be to get the best coverage possible at a price you can afford.