8 Discounts Paso Robles Shoppers Forget when Shopping for Car Insurance

Did you fall for a flashy sales pitch and buy an underperforming, overpriced car insurance policy? Believe me when I say there are lots of people in the same boat.

Lots of contend for your hard-earned dollar, so it can be very hard to choose a to discover the definitive lowest rate

If you have car insurance now, you will most likely be able to lower your premiums substantially using this strategy. Finding the best rates in Paso Robles is easy if you know what you're doing. But California consumers do need to know the methods companies use to determine prices and use this information to your advantage.

Are you getting all your discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts to help offset the cost. Most are applied when you quote, but lesser-known reductions have to be manually applied prior to getting the savings.

  • No Accidents - Drivers with accident-free driving histories can save substantially when compared to accident-prone drivers.
  • Organization Discounts - Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance.
  • Student Driver Training - Cut your cost by having your teen driver successfully complete driver's ed class in high school.
  • Defensive Driving Course - Completing a defensive driving course could possibly earn you a 5% discount if your company offers it.
  • Life Insurance - Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
  • Low Mileage Discounts - Keeping the miles down can earn discounted rates on garaged vehicles.
  • Homeowners Discount - Simply owning a home can help you save on car insurance because of the fact that having a home is proof that your finances are in order.
  • Pay Upfront and Save - If you pay your entire premium ahead of time instead of making monthly payments you may reduce your total bill.

Drivers should understand that most discount credits are not given to all coverage premiums. Most only reduce individual premiums such as comp or med pay. So when the math indicates you can get free auto insurance, companies wouldn't make money that way. But all discounts will cut the cost of coverage.

To choose insurance companies with the best car insurance discounts in Paso Robles, click here to view.

How can Progressive, Allstate and GEICO save drivers who switch?

Car insurance providers like Progressive, Allstate and GEICO regularly use ads on television and other media. They all make an identical promise that you'll save big if you move to their company. How do they all claim to save you money?

All companies are able to cherry pick for the driver that makes them money. For example, a driver they prefer might be over the age of 40, has no driving citations, and drives less than 7,500 miles a year. Any new insured who meets those qualifications will get the preferred rates and as a result will probably cut their rates substantially.

Potential customers who are not a match for the "perfect" profile will be quoted a higher premium and ends up with the customer not buying. The ads state "customers that switch" not "everybody who quotes" save that much. That's the way companies can advertise the way they do.

This emphasizes why you should get a wide range of price quotes. It's just too difficult to predict which car insurance company will provide you with the cheapest rates.

Much more information about car insurance in California can be found on the website for the California Department of Insurance located here. Visitors are able to read industry bulletins, find out which companies have the most complaints, view a list of available companies, and discover disciplinary actions.

Do the work, save more money

Budget-conscious car insurance is possible both online and also from your neighborhood Paso Robles agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not provide online price quotes and these regional insurance providers work with independent agents.

When shopping online for car insurance, you should never buy poor coverage just to save money. There are too many instances where someone sacrificed uninsured motorist or liability limits only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to get the best coverage possible at a price you can afford while still protecting your assets.