Compare Sutter Creek Auto Insurance Prices With These Methods

Are you intimidated by the sheer number of auto insurance choices in Sutter Creek? You're not the only one! You have so many companies to choose from that it can turn into a ton of work to locate the lowest price.

It's important to shop coverage around every six months since insurance rates are constantly changing. If you had the lowest rates a few years ago you will most likely find a better rate today. So block out anything you think you know about auto insurance because it's time to teach you the tricks you need to know to find better rates and still maintain coverage.

Finding affordable auto insurance coverage in Sutter Creek is not that difficult. If you are insured now or need new coverage, you can learn to find the best rates while maximizing coverage. California consumers only need to know the tricks to get comparison rates online.

Save big with these discounts

Insuring your vehicles can cost a lot, buy you may qualify for discounts that can drop the cost substantially. Some discounts apply automatically at quote time, but lesser-known reductions have to be manually applied in order for you to get them. If you're not getting every credit possible, you are throwing money away.

  • Sign Online - A handful of insurance companies give back up to $50 for buying your policy over the internet.
  • Clubs and Organizations - Affiliation with a qualifying organization could trigger savings on auto insurance.
  • Claim Free - Drivers with accident-free driving histories can save substantially as compared to drivers who are more careless.
  • Homeowners Discount - Owning a house in Sutter Creek may earn you a small savings because of the fact that having a home is proof that your finances are in order.
  • Drivers Education - Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Defensive Driving Course - Taking part in a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
  • Auto/Life Discount - Companies who offer life insurance give a discount if you purchase auto and life insurance together.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will bring down your overall premium however.

Auto insurance ads bend the truth

California drivers get pounded daily by advertisements that promise big savings from the likes of State Farm, GEICO and Progressive. They all seem to make the same claim about savings if you move your coverage to them.

How does each company say the same thing? This is how they do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a desirable insured might be profiled as over the age of 50, has no driving citations, and has a short commute. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save when switching.

Potential insureds who fall outside these standards will have to pay more money which leads to business not being written. The ad wording is "drivers who switch" not "people who quote" save that much money. That's the way companies can truthfully make the claims of big savings.

Because of the profiling, you should quote coverage with many companies. It's not possible to predict which auto insurance company will fit your personal profile best.

Learn more about California auto insurance

Additional information can be found on the California Department of Insurance website. Click here for link. California drivers can get help finding coverage, find out which companies have the most complaints, and read industry bulletins.

And the best car insurance company is...

The cheapest auto insurance is definitely available on the web as well as from independent agents in Sutter Creek, and you should be comparing both in order to have the best chance of saving money. Some insurance providers don't offer you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.

Insureds who switch companies do it for any number of reasons including an unsatisfactory settlement offer, questionable increases in premium, high rates after DUI convictions and even extreme rates for teen drivers. Whatever your reason, switching auto insurance companies is less work than it seems.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed uninsured motorist or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible for the lowest price.