5 Tips to Save on Car Insurance in Tuolumne

Finding lower premiums on Tuolumne car insurance is a challenge for consumers new to buying insurance online. You have so many choices that it can turn into a challenge to locate the lowest price in Tuolumne.

It's important to get comparison quotes once or twice a year since rates are constantly changing. Despite the fact that you may have had the best price a couple years back a different company probably has better rates today. Ignore everything you know about car insurance because I'm going to let you in on the secrets to one of the best ways to find the best coverage while lowering your premiums.

Take advantage of discounts

The price of auto insurance can be rather high, but companies offer discounts to cut the cost considerably. Most are applied when you quote, but less common discounts must be asked about prior to getting the savings.

  • New Car Discount - Insuring a new car is cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Method - If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
  • 55 and Retired - If you qualify as a senior citizen, you may be able to get a discount up to 10%.
  • Multiple Vehicles - Insuring multiple vehicles on one policy qualifies for this discount.
  • Bundle and Save - If you have multiple policies with the same company you will save at least 10% off all policies.

It's important to note that most of the big mark downs will not be given to the entire cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, you're out of luck. But any discount will cut your overall premium however.

California car insurance quotes

Are car insurance companies telling the truth?

Car insurance companies such as GEICO, State Farm and Progressive continually stream ads on TV and radio. They all seem to say the same thing that you can save after switching your policy. How do they all make the same claim? This is how they do it.

Insurance companies can use profiling for the right customer that earns them a profit. For example, a desirable insured could be over the age of 40, has no tickets, and drives less than 10,000 miles a year. Any new insured who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don't qualify for the "perfect" profile will have to pay a higher premium which usually ends up with business going elsewhere. The ads state "drivers who switch" not "people who quote" save that kind of money. That's why insurance companies can advertise the way they do.

Because of the profiling, drivers should compare as many rates as you can. It's just too difficult to predict the company that will provide you with the cheapest rates.

More California car insurance information

More information can be found on the California Department of Insurance website. Click here for link. Consumers can file complaints about an insurance agent or broker, view a list of available companies, and read enforcement actions against agents and companies.

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Shop smart and save

As you go through the steps to switch your coverage, never skimp on coverage in order to save money. In many instances, an insured dropped physical damage coverage only to discover later that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage for the lowest price.

Consumers change insurance companies for any number of reasons including delays in paying claims, unfair underwriting practices, not issuing a premium refund and even lack of trust in their agent. No matter why you want to switch, switching car insurance companies is less work than it seems.

Lower-priced car insurance can be bought from both online companies in addition to many Tuolumne insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies do not provide you the ability to get quotes online and most of the time these regional insurance providers sell through independent agents.