Getting the Cheapest Santa Rosa Auto Insurance

Did you fall for a flashy sales pitch and buy high-priced auto insurance? Believe me, many consumers are feeling buyer's remorse and feel like there's no way out.

Big companies like GEICO and Progressive constantly blast consumers with advertising and it is difficult to sift through the bull and effectively compare rates to find the best deal.

It's important to take a look at other company's rates every six months because prices are constantly changing. Just because you found the lowest rates six months ago you can probably find a lower rate today. Starting now, block out anything you think you know about auto insurance because you're going to get a crash course in the tricks you need to know to reduce your cost while increasing coverage.

If you have car insurance now, you will most likely be able to lower your premiums substantially using these methods. Buying car insurance in Santa Rosa is quite easy. Nevertheless, New Mexico consumers do need to know the way insurance companies sell online and use this information to your advantage.

How to Compare Auto Insurance in Santa Rosa, New Mexico

There are several ways of comparing rates from auto insurance companies in your area. The best method to find competitive insurance rates consists of obtaining rate quotes online. This can be done using a couple different methods.

  • The recommended way to get quotes for comparison is to use a rate comparison form click here to open form in new window. This easy form eliminates the need for boring form submissions for every auto insurance company. Filling out one form gets you price quotes from all major companies.
  • A slightly less efficient method to compare rate quotes requires visiting each individual company website and request a quote. For example, let's assume you want to compare rates from , and . To get rate quotes you would need to visit each site and enter your policy data, which is why most consumers use the first method. To view a list of companies in Santa Rosa, click here.
  • The least recommended method to get comparison rates is driving to insurance agents' offices. Buying insurance online has reduced the need for local agents unless you prefer the professional guidance of a local Santa Rosa agent. However, consumers can get the lowest quotes online and still use a local agent. We'll cover that shortly.

It's your choice how you get your quotes, but ensure you are comparing exactly the same quote information with every price quote. If you compare mixed coverages it will be next to impossible to find the best deal in Santa Rosa. Quoting even small variations in coverage limits may cause a big price difference. Just remember that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Take advantage of discounts

Insuring your vehicles can cost a lot, but you can get discounts that you may not know about. Larger premium reductions will be automatically applied at the time you complete a quote, but lesser-known reductions have to be requested specifically prior to getting the savings.

  • Sign Online - Certain companies may give you up to $50 simply for signing digitally online.
  • Multiple Vehicles - Insuring multiple vehicles on the same auto insurance policy could earn a price break for each car.
  • Homeowners Discount - Owning a house in Santa Rosa can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.
  • No Accidents - Drivers with accident-free driving histories can save substantially as compared to bad drivers.
  • Senior Citizens - Mature drivers may be able to get better auto insurance rates.
  • Life Insurance - Larger companies have better rates if you take out a life insurance policy as well.
  • Memberships - Being a member of a civic or occupational organization is a good way to get lower rates on auto insurance.

It's important to understand that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like you can get free auto insurance, it doesn't quite work that way. Any qualifying discounts will reduce your overall premium however.

To see a list of companies who offer auto insurance discounts in Santa Rosa, click here to view.

Additional auto insurance information can be found on the website for the New Mexico Insurance Division through this link. Visitors are able to get help finding coverage, find out which companies have the most complaints, report car insurance fraud, and read industry bulletins.