Buy Cheaper Palm Springs Auto Insurance

Paying for high-priced auto insurance can overdraw your savings account, especially in this economy. Comparison shopping is a smart way to reduce premiums and put more money in your pocket.

Lots of contend for your hard-earned dollar, and because of this it can be hard to compare to find the absolute lowest rate

It's important to check auto insurance prices quite often because prices are constantly changing. Just because you had the lowest rates a few years ago you can probably find a lower rate today. So ignore everything you know about auto insurance because you're going to get a crash course in the tricks you need to know to save money, get proper coverage and the best rates.

Palm Springs auto insurance comparison

Low Cost Palm Springs Auto Insurance

The are a couple different ways of comparing rates from local Palm Springs auto insurance companies. The best method to find competitive insurance rates is to perform an online rate comparison. This can be done using a couple different methods.

  • The recommended way to get quotes is a comparison rater form (click to open form in new window). This method prevents you from having to do separate quotes for every auto insurance company. One form will return quotes instantly.
  • A slightly less efficient method to shop for auto insurance online is to take the time to go to each company's website to complete their respective quote request forms. For instance, let's assume you want comparison quotes from , and . To get rate quotes you would need to go to every website and enter your information, and that's why the first method is more popular.

    For a list of links to companies insuring cars in Palm Springs, click here.
  • The least efficient way to compare rates is to spend your day driving to insurance agents' offices. The internet has reduced the need for local agents unless you have a need for the trained guidance of a local agent. You can, however, get the lowest quotes online but buy from a local insurance agent. We'll cover that shortly.

It doesn't matter which method you choose, just make darn sure you compare the exact same coverages and limits on every quote you get. If you use different deductibles it will be very difficult to determine which rate is truly the best in Palm Springs. Just a small difference in coverages can make a big difference in price. And when comparison shopping, quoting more will increase your chances of finding a lower rate.

Policy discounts you shouldn't miss

Companies that sell car insurance do not list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find auto insurance savings.

  • College Student - Children who attend school more than 100 miles from home and do not have a car can receive lower rates.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Passive Restraints and Air Bags - Factory air bags or automatic seat belts can get savings of 20% or more.
  • Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Accident Waiver - A few companies will allow you to have one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Good Student Discount - A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like it's possible to get free car insurance, you won't be that lucky.

To see a list of companies offering auto insurance discounts in Palm Springs, follow this link.

Insurance agents can help

When choosing adequate coverage for your personal vehicles, there is no perfect coverage plan. Everyone's situation is unique and a cookie cutter policy won't apply. For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Why does it cost so much to insure a teen driver in Palm Springs?
  • Should I file a claim if it's only slightly more than my deductible?
  • Can I rate high risk drivers on liability-only vehicles?
  • Is my vehicle covered for flood damage?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I need to file an SR-22 for a DUI in California?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when driving on a suspended license?

If you don't know the answers to these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Even more information can be found at the California Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, file complaints about a company, learn about insurance regulations, and get help finding coverage.