Top 7 Ways to Save on Car Insurance in Shaver Lake, CA

Are you sick and tired of robbing Peter to pay Paul each month for car insurance? Your situation is no different than many other California drivers.

Drivers have so many to buy insurance from, and though it is a good thing to have a choice, too many choices makes it more difficult to compare rates.

It's important to compare prices once or twice a year since rates are constantly changing. Even if you think you had the best price a year ago you may be paying too much now. Forget all the misinformation about car insurance because we're going to demonstrate how to quote online to find the best coverage while lowering your premiums.

This article will instruct you on how to effectively get price quotes and some tricks to saving. If you have car insurance now, you stand a good chance to be able to lower your premiums substantially using these methods. But California car owners do need to know the way companies market insurance on the web and apply this information to your search.

How to Compare Car Insurance Costs in Shaver Lake

There are several ways to compare rate quotes and find the best price. The recommended way to find competitive insurance rates is simply to get online rate quotes. This can be accomplished using a couple different methods.

The first (and easiest) way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This method keeps you from doing repetitive form submissions for every car insurance company. Taking the time to complete one form will get you price quotes from multiple companies.

A different way to get quotes online requires a visit to the website for each individual company and complete a new quote form. For instance, let's say you want rates from , and . To get rate quotes you would need to go to every website to input your insurance information, and that's why the first method is more popular. To view a list of companies in Shaver Lake, click here.

It doesn't matter which method you choose, just double check that you are using identical coverage limits on every quote. If you are comparing differing limits it will be very difficult to make a fair comparison in Shaver Lake. Just a small difference in insurance coverages can result in a big premium difference. It's important to know that comparing a large number of companies helps locate better pricing.

California car insurance quotes

Save big with these seven discounts

The price of auto insurance can be rather high, but discounts can save money and there are some available to help bring down the price. Certain discounts will be applied when you complete an application, but less common discounts must be specifically requested before they will apply.

  • New Car Discount - Adding a new car to your policy can save up to 30% since new cars are generally safer.
  • Drivers Education - Require your teen driver to complete a driver education course if offered at their school.
  • Drive Less and Save - Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • One Accident Forgiven - Certain companies will allow you to have one accident without raising rates as long as you don't have any claims prior to the accident.
  • Anti-theft Discount - Anti-theft and alarm systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Club Memberships - Belonging to a qualifying organization could qualify you for a break on car insurance.
  • Claim Free - Claim-free drivers can save substantially as compared to frequent claim filers.

Drivers should understand that most credits do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like it's possible to get free car insurance, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

For a list of companies with discount car insurance rates in California, follow this link.

Much more information about car insurance in California can be found on the website for the California Department of Insurance. Click here for link. Consumers can file complaints about an insurance agent or broker, view a list of available companies, discover disciplinary actions, and learn about insurance regulations.

compare Shaver Lake car insurance rates

Shop smart and save

While you're price shopping online, never reduce needed coverages to save money. In many instances, an insured dropped physical damage coverage only to discover later they didn't purchase enough coverage. The ultimate goal is to buy the best coverage you can find for the lowest price.

Budget-conscious car insurance is attainable from both online companies as well as from independent agents in Shaver Lake, and you should compare price quotes from both to get a complete price analysis. Some companies don't offer online quoting and most of the time these regional insurance providers sell through independent agents.