Free Guide to Saving Money on Rosamond Auto Insurance Online

Nobody I know enjoys paying for auto insurance, in particular when the cost is way too high. Having so many companies to choose from, it's difficult to find the lowest cost provider.

It's important to compare prices occasionally because prices are constantly changing. If you had the best price six months ago you can probably find a better price now. Block out anything you think you know about auto insurance because you're about to learn the fastest and easiest way to lower your rates without sacrificing coverage.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively impacts premium levels empowers consumers to make smart changes that may reward you with lower auto insurance prices.

The list below includes a few of the "ingredients" used by your company to calculate rates.

  • Men fork out a little more - Statistics show women tend to be less risk to insure than men. However, don't assume that women are BETTER drivers than men. Women and men tend to get into accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as DWI and reckless driving.
  • Do you qualify for a multi-policy discount? - The majority of companies will give a discount to customers who carry more than one policy, otherwise known as a multi-policy discount. Even if you're getting this discount you still need to comparison shop to verify if the discount is saving money.
  • Too many auto insurance claims drive up costs - Car insurance companies in California provide discounts to insureds who do not file claims often. If you tend to file frequent claims, you can expect higher rates. Auto insurance is designed for larger claims.
  • Careful drivers pay lower rates - Just one moving violation can bump up the cost by as much as thirty percent. Drivers who don't get tickets have lower premiums than people who have multiple driving citations. Drivers who have severe citations like DUI or reckless driving may need to file a SR-22 with their state DMV in order to drive a vehicle legally.

Take advantage of discounts

Car insurance companies do not advertise all their discounts very well, so we took the time to find both well-publicized as well as the least known auto insurance savings. If you don't get every credit you qualify for, you are paying more than you should be.

  • Accident Forgiveness - Some insurance companies will forgive one accident before hitting you with a surcharge as long as you don't have any claims prior to the accident.
  • Bundle and Save - If you insure your home and vehicles with the same company you may earn up to 20% off your total premium.
  • Federal Employees - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Good Student - This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Organization Discounts - Participating in a professional or civic organization could qualify you for a break on auto insurance.
  • More Vehicles More Savings - Insuring multiple cars or trucks with the same company may reduce the rate for each vehicle.

As a disclaimer on discounts, most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you can get free auto insurance, auto insurance companies aren't that generous.

To choose companies with the best auto insurance discounts in California, follow this link.

Are auto insurance companies telling the truth?

California consumers can't ignore all the ads for cheaper car insurance from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about savings if you move your coverage to them.

But how can every company make almost identical claims?

All companies have a certain "appetite" for the type of customer that makes them money. For example, a desirable insured could possibly be between 25 and 40, owns a home, and has a high credit rating. A customer getting a price quote who fits that profile will qualify for the lowest rates and most likely will save a lot of money.

Consumers who don't qualify for this ideal profile will have to pay higher prices which usually ends up with the driver buying from a lower-cost company. The ad wording is "customers that switch" not "people who quote" save that much money. That is how companies can truthfully state the savings. Because of the profiling, you should compare as many rates as you can. It's impossible to know which company will have the lowest rates.

How to know if you need help

When buying the right insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out whether your personal situation would benefit from an agent's advice.

  • Does my policy cover me when driving someone else's vehicle?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Why am I required to buy high-risk coverage?
  • Are rental cars covered under my policy?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Should I put collision coverage on all my vehicles?

If you don't know the answers to these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Even more information can be found at the California Department of Insurance website. California consumers can learn about insurance regulations, read consumer alerts, download brochures, and file complaints about a company.

Other informative sites include this site for California auto insurance information and see this list of insurance agents in Rosamond.

Rosamond auto insurance quote

A tidy conclusion

Cheap auto insurance is definitely available online as well as from independent agents in Rosamond, so you should compare both in order to have the best price selection to choose from. Some insurance companies don't offer online price quotes and most of the time these regional insurance providers sell through independent agents.

As you restructure your insurance plan, don't be tempted to buy poor coverage just to save money. In many cases, an insured cut physical damage coverage only to regret at claim time that they should have had better coverage. Your aim should be to get the best coverage possible at a price you can afford.