10 Guaranteed Tips to Reduce Car Insurance Costs in Taft

I can't think of anyone who likes having to buy car insurance, especially when their premiums are through the roof.

With so many options when it comes to car insurance, it's nearly impossible to pick the most cost effective insurance company.

car insurance in Taft

Vehicle Insurance Comparison

Most companies provide price estimates on the web. Getting quotes is quite simple as you just enter your personal and coverage information as detailed in the form. When the form is submitted, their rating system will obtain credit information and your driving record and returns a price quote determined by many factors. This streamlines rate comparisons, but the process of having to visit several different sites and complete many quote forms gets old quite quickly. But it's very important to do this if you want to find the best price on car insurance.

Quote rates the easy way

A quicker way to compare rates is to use a quote form that gets prices from a lot of companies. The form is fast, eliminates form submissions, and makes online price comparison much more enjoyable. Immediately after submitting the form, it gets priced with multiple companies and you can pick any or none of the quotes returned.

If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The whole process takes less than 15 minutes and you will find out if you're overpaying now.

To find out if lower rates are available, click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you complete the form with as close as possible to your current policy. This ensures you're receiving comparison quotes for similar insurance coverage.

Are you getting all your discounts?

Insurance can be prohibitively expensive, but discounts can save money and there are some available that you may not know about. A few discounts will automatically apply when you quote, but lesser-known reductions have to be asked for before you get the savings.

  • Safety Course Discount - Taking part in a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • Good Student - A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Multiple Cars - Buying coverage for all your vehicles on the same car insurance policy qualifies for this discount.
  • Anti-lock Brake System - Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Theft Prevention System - Cars that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Memberships - Belonging to a professional or civic organization is a good way to get lower rates when buying car insurance.
  • Federal Employees - Being employed by or retired from a federal job may qualify you for a discount depending on your company.
  • Pay Now and Pay Less - If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • 55 and Retired - Mature drivers may receive a small decrease in premiums.
  • Claim Free - Good drivers with no accidents can save substantially when compared with bad drivers.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you won't be that lucky. Any amount of discount will help reduce the cost of coverage.

To see a list of insurers with discount car insurance rates in California, click here to view.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is no "perfect" insurance plan. Everyone's situation is unique so your insurance should reflect that For instance, these questions may help highlight whether you might need professional guidance.

  • Should I have combined single limit or split liability limits?
  • Why am I required to buy high-risk coverage?
  • Am I covered when driving on a suspended license?
  • 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?
  • Are rental cars covered under my policy?

If you're not sure about those questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Additional California consumer information

Additional information can be found on the website for the California Department of Insurance. Click here for link. Consumers can discover disciplinary actions, file complaints about a company, report car insurance fraud, and find out industry alerts.

Additional helpful sites include this resource for California car insurance prices and this link which helps you find a Taft agent.