Consumer Tested Strategies to Save on Tecate Auto Insurance

Overpriced auto insurance can overdraw your checking account and put the squeeze on your family's finances. Shopping your coverage around is a smart way to reduce premiums and put more money in your pocket.

Drivers have multiple to buy insurance from, and even though it's nice to have a choice, it can be more challenging to compare rates.

Low Cost Tecate Auto Insurance

Most major insurance companies like Allstate, GEICO and Progressive allow you to get coverage prices on their websites. Getting online rates is quite simple as you just enter your coverage information into the quote form. Behind the scenes, the company's rating system will obtain credit information and your driving record and returns a price quote. Quoting online helps simplify price comparisons, but the time required to go to several different sites and fill out multiple forms gets old quite quickly. Unfortunately, it is important to perform this step in order to find a lower rate.

There is a better way!

A less time-consuming method to locate the lowest prices uses one simple form to get prices from a lot of companies. It's a real time-saver, eliminates form submissions, and makes online price comparison much more enjoyable. After your information is entered, it is rated with multiple companies and you can pick any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and buy the policy. The entire process just takes a couple of minutes and may save quite a bit of money.

To save time and find out how much you're overpaying now, click here and complete the simple form. If you have coverage now, it's recommended you input coverages and limits as shown on your current policy. This way, you're receiving comparison quotes based on similar coverages.

Good Decisions Result in Lower Rates

It's important that you understand some of the elements that play a part in calculating the price you pay for auto insurance. Knowing what influences your rates enables informed choices that could result in much lower annual insurance costs.

  • Increase deductibles and save - Your deductibles represent how much money you are willing to pay out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Some instances where coverage would apply could be colliding with a building, damage from fire, and burglary. The more you are required to pay out-of-pocket, the bigger discount you will receive.
  • Older drivers save more - Teen drivers in California have a tendency to get distracted easily when driving so they pay higher auto insurance rates. Adding a teen driver to your auto insurance policy can be very expensive. More mature drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Do you have enough liability coverage? - Your policy's liability coverage is the protection if a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense which can be incredibly expensive. Carrying liability coverage is mandatory and cheap as compared to coverage for physical damage, so buy as much as you can afford.
  • Marriage pays dividends - Having a wife or husband helps lower the price when buying auto insurance. Having a spouse means you're more mature it has been statistically shown that married drivers get in fewer accidents.
  • Extra coverages can waste money - There are quite a few add-on coverages that you can get tricked into buying on your auto insurance policy. Coverages for personal injury protection, accidental death and term life insurance are examples of these. These coverages may sound good when talking to your agent, but if they're wasting money eliminate them to save money.

More discounts equal less premium

Companies offering auto insurance don't always publicize all available discounts very clearly, so we researched both well-publicized and the harder-to-find auto insurance savings.

  • Multiple Cars - Having all your vehicles on one policy qualifies for this discount.
  • Save over 55 - Older drivers may receive better auto insurance rates.
  • Paperless Signup - A few companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Accident Waiver - Certain companies will allow you to have one accident without raising rates so long as you haven't had any claims for a set time period.
  • Service Members Pay Less - Having a deployed family member could be rewarded with lower premiums.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like all the discounts add up to a free policy, it just doesn't work that way.

For a list of insurers with discount auto insurance rates in California, follow this link.

It's not one size fits all

When it comes to choosing the best auto insurance coverage for your personal vehicles, there isn't really a one size fits all plan. Everyone's situation is unique so your insurance needs to address that. Here are some questions about coverages that may help you determine if you might need professional guidance.

  • Can I afford to buy a different vehicle if my vehicle is totaled?
  • Am I covered by my employer's commercial auto policy when driving my personal car for business?
  • Am I covered if I wreck a rental car?
  • Does my personal policy cover me when driving my company car?
  • Is my vehicle covered for flood damage?
  • Does my liability insurance cover pulling a trailer or camper?
  • Does my policy cover me when driving someone else's vehicle?
  • Do I have coverage when using my vehicle for my home business?

If you don't know the answers to these questions, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Additional detailed information is located at the California Department of Insurance website. California consumers can report car insurance fraud, read enforcement actions against agents and companies, find out which companies have the most complaints, and get help finding coverage.

Tecate auto insurance comparison

Final considerations

Affordable auto insurance can be sourced online and also from your neighborhood Tecate agents, so compare prices from both to have the best selection. Some companies may not provide online quoting and usually these small, regional companies provide coverage only through local independent agents.

While you're price shopping online, never reduce needed coverages to save money. In too many instances, drivers have reduced liability coverage limits only to discover later they didn't purchase enough coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

In this article, we presented many ways to lower your auto insurance rates. It's most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the best prices are with a smaller regional carrier. Smaller companies can often insure niche markets at a lower cost as compared to the big name companies such as .