Proven Techniques to Save on Ross Auto Insurance

Nobody I know enjoys paying for auto insurance, in particular when they are paying too much. With consumers having so many companies to choose from, it can be impossible to pick the cheapest insurance company.

Auto Insurance Comparison Rates in Ross, CA

Cutting your Ross auto insurance rates can be quick and easy. Just take the time getting comparison quotes online from several insurance companies. This can be accomplished in a couple of different ways.

  • The recommended way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate quotation requests for every auto insurance company. Just one form gets you price quotes from auto insurance companies with the best prices.
  • A more difficult way to compare rate quotes requires visiting the website of each company and fill out their own quote form. For examples sake, we'll pretend you want to compare , and . To get rate quotes you would need to take the time to go to each site and enter your policy data, which is why the first method is more popular. To view a list of companies in Ross, click here.
  • The most time-consuming method to get comparison rates is driving around to local Ross insurance agencies. Buying insurance online has reduced the need for local agents unless you require the trained guidance of a local Ross agent. It is possible to get the lowest quotes online and still use a local agent. We'll cover that shortly.

Whichever method you choose, be sure to compare apples-to-apples quote information for every quote you compare. If the quotes have mixed coverages it's not possible to determine the best price in Ross.

Take advantage of discounts

Properly insuring your vehicles can get expensive, but you can get discounts that you may not know about. Some trigger automatically at the time of purchase, but lesser-known reductions have to be asked for prior to receiving the credit. If you don't get every credit you qualify for, you're paying more than you need to.

  • Federal Employees - Being employed by or retired from a federal job can save as much as 8% with a few auto insurance companies.
  • Good Student - A discount for being a good student can get you a discount of up to 25%. The discount lasts well after school through age 25.
  • Accident Forgiveness - Some insurance companies will forgive one accident before raising your premiums if your claims history is clear prior to the accident.
  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.
  • Anti-theft Discount - Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Life Insurance Discount - Companies who offer life insurance give a break if you buy a life insurance policy as well.

A little note about advertised discounts, some credits don't apply to the entire policy premium. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you can get free auto insurance, you won't be that lucky. Any amount of discount will help reduce your overall premium however.

To see a list of insurance companies who offer auto insurance discounts in California, click here.

How to know if you need help

When choosing proper insurance coverage for your vehicles, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions may help highlight whether your personal situation would benefit from an agent's advice.

  • Am I covered if I drive in a foreign country?
  • Do I need to file an SR-22 for a DUI in California?
  • Does my policy cover me when driving someone else's vehicle?
  • Why am I required to buy high-risk coverage?
  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • What are California no-fault laws?

If you can't answer these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Additional information is available on the website for the California Department of Insurance located here. California consumers can download brochures, file complaints about a company, learn about insurance regulations, and report car insurance fraud.

Additional helpful sites include this site for auto insurance rates in California and this list of insurance agents in Ross.