7 Discounts Turlock Consumers Forget when Buying Car Insurance

No one likes having to buy car insurance, particularly when they are paying too much. You have multiple to pick from, and even though it's nice to have a selection, having more makes it harder to compare rates.

It's important to do rate comparisons periodically since rates are constantly changing. If you had the lowest price a few years ago the chances are good that you can find a lower rate today. Don't believe everything you read about car insurance on the web, but I'm going to show you some great ways to save money.

Finding affordable coverage in Turlock is easy if you know what you're doing. If you are insured now or need new coverage, you can follow these tips to get lower rates while maintaining coverages. California vehicle owners just need to know the most effective way to compare prices online.

How much can you save with these seven discounts?

Companies that sell car insurance don't list all their discounts very clearly, so we researched both the well known as well as the least known discounts you could be receiving. If you're not getting every credit you qualify for, you're paying more than you need to.

  • Save with a New Car - Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Passive Restraint Discount - Factory air bags or motorized seat belts may earn rate discounts of more than 20%.
  • Pay Upfront and Save - By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase life insurance.
  • Bundle and Save - When you combine your home and auto insurance with one company you may earn at least 10% off all policies.
  • Anti-lock Brakes - Anti-lock brake equipped vehicles prevent accidents and will save you 10% or more.
  • College Student - Youth drivers who are attending college without a vehicle on campus can receive lower rates.

Drivers should understand that some credits don't apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, companies wouldn't make money that way.

To see a list of companies with the best car insurance discounts in California, click here.

Turlock car insurance comparison

Turlock Car Insurance Comparisons

Shopping for lower car insurance rates can be a lot of work if you aren't aware of the easiest way. You can waste a lot of time discussing policy coverages with insurance agencies in Turlock, or you could save time and use online quotes to get prices fast.

Many insurance companies take part in a program that allows shoppers to submit their information once, and each participating company then gives them pricing based on that information. This prevents consumers from doing quotation requests for each company you want a rate for.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is you are unable to specify which carriers to receive prices from. So if you prefer to choose from a list of companies to compare, we have a page of car insurance companies in California. View list of California insurance companies.

Whichever method you choose, be sure to compare identical deductibles and coverage limits for each price quote. If the quotes have different values for each quote it will be impossible to truly determine the lowest rate in Turlock.

How much car insurance do I need?

When choosing the best car insurance coverage for your vehicles, there isn't really a "best" method to buy coverage. Everyone's needs are different and your policy should reflect that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Should I file a claim if it's only slightly more than my deductible?
  • Should I drop comprehensive coverage on older vehicles?
  • Are my tools covered if they get stolen from my vehicle?
  • When does my teenage driver need to be added to my policy?
  • What is the difference between comprehensive and collision coverage?
  • Do I need PIP (personal injury protection) coverage in California?

If you can't answer these questions but a few of them apply, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Save 15 percent in 15 minutes? Is it for real?

Consumers in California can't get away from ads for cheaper car insurance by companies like Progressive, GEICO, Allstate and State Farm. They all seem to have a common claim that you'll save big if you move to them.

How does each company claim to save you money?

Insurance companies have a certain "appetite" for the type of driver that is profitable for them. For instance, a desirable insured might be a mature driver, a clean driving record, and drives less than 7,500 miles a year. Any new insured that hits that "sweet spot" will get the preferred rates and is almost guaranteed to save when switching.

Drivers who don't meet these standards will have to pay higher premiums and this can result in the customer not buying. The ads state "customers that switch" but not "drivers who get quotes" save money. That is how companies can advertise the way they do. Because of the profiling, drivers must get quotes from several different companies. It's just too difficult to predict which company will provide you with the cheapest rates.

A tidy conclusion

When shopping online for car insurance, make sure you don't reduce coverage to reduce premium. There are many occasions where someone dropped collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible at a price you can afford.

We just covered a lot of ways to compare car insurance prices online. The key concept to understand is the more times you quote, the better your chances of lowering your rates. Consumers could even find that the best price on car insurance is with a small local company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like .

California car insurance

Additional California consumer information

More detailed California car insurance information is located at the California Department of Insurance website. Visitors are able to read enforcement actions against agents and companies, find out industry alerts, view a list of available companies, and view agent and company licensing information.

Additional helpful sites include Auto Insurance 101 and this page where you can research Turlock insurance agents.