Buy Cheap Oakley Auto Insurance

Overpriced auto insurance can empty your savings account and put the squeeze on your family's finances. Shopping your coverage around is a great way to make sure you're not throwing money away. You have so many to buy insurance from, and although it's a good thing to have a choice, lots of choices makes it harder to compare rates.

It's important to shop coverage around quite often because insurance rates are constantly changing. Just because you found the best deal a few years ago there may be better deals available now. Starting right now, ignore everything you know about auto insurance because you're about to learn the only way to find better rates and still maintain coverage.

Save big with these discounts

Companies that sell car insurance don't list all their discounts very clearly, so here is a list both well-publicized and the more hidden discounts you could be receiving. If you're not getting every credit you deserve, you're just leaving money on the table.

  • Sign Online - A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Save over 55 - Older drivers may receive a small decrease in premiums.
  • Multiple Cars - Insuring all your vehicles on one policy could earn a price break for each car.
  • Drive Less and Save - Low mileage vehicles can qualify you for a substantially lower rate.
  • Theft Prevention Discount - Vehicles with anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

Keep in mind that some credits don't apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates all the discounts add up to a free policy, it just doesn't work that way.

For a list of companies with discount auto insurance rates in California, click here.

How to Buy Oakley Auto Insurance Online

Finding a better price on auto insurance is surprisingly easy. You just have to spend a few minutes on the computer comparing rates provided by online insurance companies. This can be done in a couple of different ways.

One of the best ways to find low rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for separate quotes for each company you want a rate for. One form gets you price quotes instantly.

A less efficient way to get quotes online requires a trip to each individual company website and request a quote. For examples sake, let's assume you want comparison quotes from , and . To get each rate you have to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

To view a list of companies in Oakley, click here.

The most time-consuming way of getting rate comparisons is driving to local Oakley insurance agencies. Shopping for auto insurance online makes this process obsolete unless you prefer the professional advice that only a license agent can provide. It is possible to compare online quotes and still use a local agent.

Whichever method you choose, make darn sure you compare identical quote information with every price quote. If the quotes have mixed coverages it will be impossible to find the best deal in Oakley.

But I don't know anything about car insurance

When it comes to choosing proper insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different and your policy should reflect that. These are some specific questions may help you determine if your situation would benefit from professional advice.

  • Does medical payments coverage apply to all occupants?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I buy additional glass protection?
  • Is my dog or cat covered if injured in an accident?
  • Do I really need UM/UIM coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Am I covered when driving on a suspended license?

If you can't answer these questions, you may need to chat with an insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It's fast, free and can provide invaluable advice.

Best coverage at the best price

Affordable auto insurance can be sourced online as well as from independent agents in Oakley, and you need to price shop both to have the best rate selection. Some auto insurance companies don't offer online quoting and most of the time these smaller companies sell through independent agents.

When shopping online for auto insurance, it's very important that you do not sacrifice coverage to reduce premiums. In many cases, drivers have reduced comprehensive coverage or liability limits to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at an affordable rate.

In this article, we presented a lot of ways to get a better price on auto insurance. It's most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the best price on auto insurance is with an unexpected company. These companies can often insure niche markets at a lower cost than their larger competitors like .