Free Guide to Paying Less for Red Bluff Auto Insurance Online

Expensive auto insurance can take a big chunk out of your savings account and make it hard to pay other bills. Comparison shopping is a great way to help make ends meet. You have so many to buy insurance from, and though it is a good thing to have a selection, lots of choices makes it harder to compare rates.

It's important to shop coverage around yearly because prices are constantly changing. Even if you got the best deal last year 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 proper way to find better rates and still maintain coverage.

California auto insurance

How to Get Cheap Auto Insurance in Red Bluff, CA

There are several ways to compare auto insurance quotes, and some are more efficient than others. You can spend countless hours driving to agents in Red Bluff, or you could save time and use the web to achieve your goal.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes for coverage. This prevents consumers from doing repetitive form submissions to each individual auto insurance company. To submit your quote information now, click to open in new window.

The only downside to using this type of system is that you can't choose the providers you will receive quotes from. If you wish to select individual companies for rate comparison, we put together a list of auto insurance companies in California. Click here for list of insurance companies in California.

However you get your quotes, make sure you use identical coverage limits and deductibles on every quote. If you use different liability limits it's not possible to make a fair comparison in Red Bluff.

Be sure to get all your discounts

Companies that sell car insurance don't always advertise every available discount very clearly, so here is a list both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you deserve, you're paying more than you need to.

  • Good Student Discount - A discount for being a good student can save 20 to 25%. The discount lasts until age 25.
  • Multi-policy Discount - When you combine your home and auto insurance with one company you could get a discount of 10% to 20% off each policy.
  • Anti-theft System - Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.
  • E-sign - Some insurance companies may give you up to $50 for buying your policy over the internet.
  • Defensive Driver - Taking a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Government Employees - Being employed by or retired from a federal job can earn a discount up to 10% with certain companies.

As a disclaimer on discounts, some of the credits will not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. Just because you may think you could get a free auto insurance policy, auto insurance companies aren't that generous.

To see a list of providers offering auto insurance discounts in California, click here.

How do I know if I need professional advice?

When choosing proper insurance coverage for your personal vehicles, there isn't really a perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether or not you could use an agent's help.

  • Should I buy only the required California minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my personal policy cover me when driving my company car?
  • Should I have combined single limit or split liability limits?
  • Should I drop comprehensive coverage on older vehicles?

If you can't answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Even more information is available at the California Department of Insurance website. Visitors are able to file complaints about a company, view agent and company licensing information, read consumer alerts, and get help finding coverage.