How to Know You're Throwing Money Away for Auto Insurance in Santa Rosa

Have you had enough of scraping the payment together each month for car insurance? You are in the same boat as many other drivers in California.

Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with catchy ads and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to compare rates before your policy renews because prices are constantly changing. Even if you got the best rates a few years ago you can probably find a lower rate today. There is a lot of bad advice regarding auto insurance on the internet, so I'm going to show you some great ways to find affordable auto insurance.

If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you in Santa Rosa is not that difficult. Although California consumers do need to know the way insurance companies price insurance differently.

How to Compare Santa Rosa Auto Insurance Rates

Effectively comparing auto insurance prices is a ton of work if you aren't aware of the most efficient way. You can spend countless hours talking about coverages with insurance agencies in Santa Rosa, or you could use online quoting to get rates in a matter of minutes.

The majority of car insurance companies belong to an insurance system that enables customers to complete one form, and each company then gives them pricing based on that information. This eliminates the need for quote requests to each individual auto insurance company.

To submit your quote information now, click to open in new window.

The one disadvantage to getting quotes like this is you are unable to specify the providers you want pricing from. So if you prefer to pick specific providers to compare, we put together a list of companies who write auto insurance in California. Click to view list.

Whichever way you use, ensure you're using exactly the same information for every quote you compare. If the quotes have higher or lower deductibles then you won't be able to determine the best price in Santa Rosa. Just a small difference in coverages may result in a large different in cost. And when price shopping your coverage, getting more free quotes will increase your chances of finding the best price.

Don't pay full price with these discounts

Insuring your vehicles can cost a lot, but there could be available discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of purchase, but some may not be applied and must be manually applied prior to receiving the credit.

  • Homeowners Pay Less - Owning a house in Santa Rosa may trigger a auto insurance policy discount due to the fact that maintaining a home demonstrates responsibility.
  • Employee of Federal Government - Being employed by or retired from a federal job can save as much as 8% with select insurance companies.
  • Save with a New Car - Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Payment Method - If you pay your bill all at once instead of paying each month you may reduce your total bill.
  • One Accident Forgiven - A handful of insurance companies allow you one accident before raising your premiums as long as you don't have any claims prior to the accident.
  • Discount for Life Insurance - Companies who offer life insurance give better rates if you take out a life insurance policy as well.
  • Drive Less and Save - Fewer annual miles could qualify for lower rates on the low mileage vehicles.

A little note about advertised discounts, most of the big mark downs will not be given to the entire cost. Most only reduce specific coverage prices like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you won't be that lucky. Any amount of discount will reduce your premiums.

To see a list of companies who offer auto insurance discounts in Santa Rosa, follow this link.

Additional information can be read on the website for the California Department of Insurance found here. Visitors are able to report car insurance fraud, download brochures, file complaints about an insurance agent or broker, and view a list of available companies.