How to Know You're Paying Too Much for Auto Insurance in Santa Clarita

Nobody likes paying for auto insurance, in particular when their premiums are too high. Numerous battle for your hard-earned dollar, and it can be difficult to compare rates and get the definite lowest rate

Automobile Insurance Quotes in Santa Clarita, CA

Getting better auto insurance pricing is a fairly straight forward process. You just have to spend a few minutes on the computer to compare quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

The first (and easiest) way to get the best comparison quotes is to use a rate comparison form like this one (opens in new window). This form prevents you from having to do a different quote for each company you want a rate for. A single form will get you rate comparisons .

A less efficient way to get quotes online requires you to visit the website of each company to complete their respective quote request forms. For examples sake, let's say you want to compare , and . To get each rate you have to take the time to go to each site and enter your policy data, which is why the first method is quicker.

To view a list of companies in Santa Clarita, click here.

It's up to you how you get prices quotes, just make absolute certain that you use the exact same coverage information on every quote you get. If the quotes have unequal deductibles or liability limits then you won't be able to determine which rate is truly the best in Santa Clarita.

Why some people pay less for insurance in Santa Clarita

It's important that you understand the rating factors that help determine the price you pay for auto insurance. Understanding what influences your rates allows you to make educated decisions that will entitle you to much lower annual insurance costs.

The following are a partial list of the pieces companies use to determine prices.

Lower rates with optional equipment - Owning a car with a theft deterrent system can save you a little every year. Theft prevention features such as GM's OnStar, tamper alarm systems and vehicle immobilizers can help prevent your vehicle from being stolen.
One company can mean more discounts - Many auto insurance companies provide better rates to customers who carry more than one policy. It's known as a multi-policy discount. Discounts can amount to ten or even up to twenty percent in some cases. Even with this discount, it's still a good idea to shop around to make sure you are getting the best deal.
Men pay higher rates - Statistics show that men are more aggressive behind the wheel. However, this does not mean women are better drivers. Both sexes tend to get into accidents in similar numbers, but the men have costlier accidents. Men also statistically have more aggressive citations such as DWI and reckless driving. Young males are the most expensive to insure and thus pay the highest rates.
Drive a safer car and pay less - Vehicles with high crash test scores tend to have better insurance rates. The safest vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you.

Save big with these discounts

Car insurance companies don't always publicize every discount in an easy-to-find place, so we researched both well-publicized and also the lesser-known ways to save on auto insurance. If they aren't giving you every credit you qualify for, you're just leaving money on the table.

Military Rewards - Having a family member in the military may qualify for rate reductions.
Braking Control Discount - Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Save over 55 - Older drivers may be able to get reduced rates.
Low Mileage Discounts - Fewer annual miles could be rewarded with better rates on cars that stay parked.
Driver Safety - Successfully completing a course in driver safety can save you 5% or more depending on where you live.

Keep in mind that most discount credits are not given to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. So when the math indicates adding up those discounts means a free policy, it just doesn't work that way.

For a list of insurance companies who offer auto insurance discounts in Santa Clarita, click this link.

But I don't know anything about car insurance

When it comes to choosing the best auto insurance coverage for your vehicles, there is no one size fits all plan. Every situation is different so this has to be addressed. These are some specific questions might point out if your situation could use an agent's help.

Am I covered when pulling a rental trailer?
Do I need PIP (personal injury protection) coverage in California?
Should I buy additional glass protection?
Is my dog or cat covered if injured in an accident?
Do I really need UM/UIM coverage?
Can I get a multi-policy discount for packaging my home and auto coverage?
Am I covered when renting a car or should I buy coverage from the car rental agency?

If it's difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It's fast, free and you can get the answers you need.

Additional detailed information is located at the California Department of Insurance website. California consumers can view a list of available companies, read consumer alerts, learn about insurance regulations, and find disaster information.

Best coverage at the best price

As you go through the steps to switch your coverage, you should never reduce needed coverages to save money. There have been many situations where an insured cut liability coverage limits only to discover later that the savings was not a smart move. The proper strategy is to get the best coverage possible at the best price while still protecting your assets.

Affordable auto insurance can be bought online and with local Santa Clarita insurance agents, and you need to comparison shop both to have the best selection. Some auto insurance companies do not offer online quoting and these small, regional companies work with independent agents.