Tightwads Guide to Saving on Sonora Auto Insurance

Overpriced auto insurance can take a big chunk out of your savings account and make it hard to pay other bills. 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.

Having so many insurance companies to choose from, it's difficult to choose the best company.

It's important to compare prices yearly because prices are constantly changing. Even if you got the best price a few years ago there may be better deals available now. Forget all the misinformation about auto insurance because you're about to learn the only way to find better coverage at a better price.

California auto insurance

How much can you save with discounts?

Companies that sell car insurance do not advertise every available discount very well, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Good Student Discount - Getting good grades can save 20 to 25%. This discount can apply until age 25.
  • Multi-policy Discount - When you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
  • Anti-lock Brake System - Vehicles with anti-lock braking systems are safer to drive and will save you 10% or more.
  • Anti-theft System - Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • E-sign - Some insurance companies may give you up to $50 just for signing your application online.

Keep in mind that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as medical payments or collision. Just because it seems like you could get a free auto insurance policy, it just doesn't work that way.

For a list of providers offering auto insurance discounts in California, click here to view.

Where Can I Get Cheap Sonora Auto Insurance?

Comparing auto insurance rates can be a daunting task if you don't know the best way to get rate quotes. You can waste hours talking to insurance agencies in Sonora, or you can utilize online quotes to get the quickest rates.

Most car insurance companies enroll in a system that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for. To submit your quote information now, click here (opens in new window).

The one downside to getting quotes like this is you are unable to specify the companies you will receive quotes from. If you wish to select individual companies to compare, we have assembled a list of low cost auto insurance companies in California. Click here for list of insurance companies in California.

It's your choice how you get your quotes, but make sure you use apples-to-apples coverage limits and deductibles for each comparison quote. If each company quotes different liability limits it will be impossible to determine the lowest rate in Sonora. Quoting even small variations in limits may cause a big price difference. And when comparing auto insurance rates, know that obtaining a wide range of quotes provides better odds of finding the best rates.

How much car insurance do I need?

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no perfect coverage plan. Everyone's needs are different so your insurance should reflect that For example, these questions can help discover if your insurance needs would benefit from professional advice.

  • Should I buy only the required California minimum liability coverage?
  • What is the difference between comprehensive and collision coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need special endorsements for business use of my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover my teen driver if they drive my company car?
  • Are there companies who specialize in insuring high-risk drivers?

If you're not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Shop smart and save

We covered many tips how you can get a better price on auto insurance. The key thing to remember is the more you quote, the more likely it is that you will get a better rate. You may be surprised to find that the best price on auto insurance is with an unexpected company. These companies can often insure niche markets at a lower cost compared to the large companies like .

When shopping online for auto insurance, do not sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Affordable auto insurance can be found both online and also from your neighborhood Sonora agents, and you need to price shop both in order to have the best price selection to choose from. Some auto insurance companies may not provide online quoting and many times these regional insurance providers only sell through independent insurance agents.