Tightwads Tips for Saving on San Carlos Car Insurance

Overpriced car insurance can overdraw your savings account and put the squeeze on your family's finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to make sure you're not throwing money away. Drivers have so many to buy insurance from, and although it's a good thing to have a selection, too many choices makes it more difficult to compare rates.

How to Lower Your Car Insurance Cost in San Carlos, California

Most companies like Allstate, GEICO and Progressive allow you to get price estimates online. The process is quite simple as you just enter the coverages you want as detailed in the form. When the form is submitted, their rating system will obtain credit information and your driving record and returns pricing information based on many factors. Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and type in the same information can get tiresome after awhile. But it's very important to get many rate quotes in order to find the best price on car insurance.

There is a better way!

A quicker way to find lower prices utilizes a single form to get prices from a lot of companies. The form is fast, eliminates form submissions, and makes price shopping online much more efficient. As soon as you send your information, it is rated with multiple companies and you can pick any one of the quotes returned.

If the quotes result in lower rates, you simply finish the application and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

If you want to find out if lower rates are available, click here to open in new window and complete the simple form. If you have coverage now, it's recommended you enter the insurance coverages as shown on your current policy. This ensures you will get rate quotes for similar insurance coverage.

Are you getting all your discounts?

Insurance can cost an arm and a leg, but discounts can save money and there are some available that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be manually applied before you get the savings. If you're not getting every credit you deserve, you're paying more than you need to.

  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy could earn a price break for each car.
  • Paperless Signup - Certain companies will give a small break just for signing your application over the internet.
  • Accident Waiver - Certain companies permit an accident before raising your premiums so long as you haven't had any claims prior to the accident.
  • 55 and Retired - Mature drivers may receive a small decrease in premiums.
  • Life Insurance - Some companies give a discount if you purchase a life insurance policy as well.

Keep in mind that most discount credits are not given to all coverage premiums. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, it just doesn't work that way. But any discount will bring down the cost of coverage.

To see a list of insurers with discount car insurance rates in California, click here to view.

More information is located on the website for the California Department of Insurance through this link. Consumers can find out which companies have the most complaints, get help finding coverage, learn about insurance regulations, and report car insurance fraud.