Top 6 Ways to Save on Car Insurance in Pleasant Hill, CA

Finding lower rates for Pleasant Hill car insurance is difficult for consumers not familiar with comparison shopping online. Consumers have so many choices that it can be more work than you anticipated to compare prices in Pleasant Hill.

It's important to take a look at other company's rates before your policy renews since rates are constantly changing. Even if you think you had the lowest price two years ago you can probably find a better price now. Forget all the misinformation about car insurance because you're about to find out how to quote online to buy cheaper car insurance.

Pleasant Hill car insurance quote

Don't pay full price with these six discounts

Car insurance is not cheap, but you can get discounts to help bring down the price. Some trigger automatically at the time of purchase, but less common discounts must be specially asked for prior to receiving the credit.

  • Multi-policy Discount - If you insure your home and vehicles with the same insurance company you will save up to 20% off your total premium.
  • No Accidents - Claim-free drivers pay much less compared to accident-prone drivers.
  • Low Mileage - Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Pay Now and Pay Less - If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Auto/Life Discount - Some companies give better rates if you take out a life insurance policy as well.
  • Senior Citizens - If you're over the age of 55, you may receive better car insurance rates.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Just because you may think you can get free auto insurance, it just doesn't work that way. But any discount will reduce your premiums.

To choose providers with discount car insurance rates in Pleasant Hill, click this link.

The car insurance bait and switch

Companies like Allstate and Progressive consistently run ads in print and on television. All the ads make the same claim that you can save if you change to their company. How can each company claim to save you money? This is how they do it.

All companies can use profiling for the driver that makes them money. For instance, a preferred risk might be between 25 and 40, is a homeowner, and chooses high deductibles. Any new insured who matches those parameters gets the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements will be charged higher prices which leads to the customer not buying. Company advertisements say "drivers who switch" not "everyone that quotes" save that much. That's why insurance companies can state the savings.

That is why you should quote coverage with many companies. It's just too difficult to predict the company that will give you the biggest savings.

More information is located on the California Department of Insurance website. Click here for link. Visitors are able to read consumer alerts, read industry bulletins, and find disaster information.

The best insurance company isn't always the cheapest

When buying insurance coverage, it's not a good idea to buy poor coverage just to save money. Too many times, an accident victim reduced liability coverage limits only to discover later that their decision to reduce coverage ended up costing them more. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Insureds leave their current company for any number of reasons including policy non-renewal, high rates after DUI convictions, delays in responding to claim requests or even unfair underwriting practices. Regardless of your reason, switching car insurance companies is easier than you think.

Affordable car insurance is attainable both online and also from your neighborhood Pleasant Hill agents, so you should compare both so you have a total pricing picture. Some insurance companies may not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.