Find Low-Cost Tustin Car Insurance

Finding lower premiums on Tustin car insurance is hard for beginners to comparing rates online. You have so many options available that it can turn into a big hassle to compare prices in Tustin.

It's important to compare prices once or twice a year due to the fact that insurance rates are constantly changing. Just because you had the best rates a few years ago the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding car insurance on the internet, so I'm going to show you some great ways to save money.

Take advantage of discounts

Companies don't always list all their discounts very well, so the following is a list of both the well known and the harder-to-find ways to save on car insurance.

  • Senior Citizens - Mature drivers may qualify for better car insurance rates.
  • Service Members Pay Less - Having a family member in the military could mean lower rates.
  • Early Signing - Select companies give a discount for buying a policy before your current expiration date. This can save 10% or more.
  • Braking Control Discount - Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • College Student - Any of your kids living away from home attending college and do not have a car may qualify for this discount.

It's important to note that most discount credits are not given to the entire cost. Most only reduce the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates it's possible to get free car insurance, you're out of luck.

To see a list of companies offering car insurance discounts in California, click this link.

Tustin car insurance comparison

Fast and Easy Tustin Car Insurance Quotes

There are several ways of comparing rates and find the best price. The best method to find competitive insurance rates involves getting comparison quotes online. This can be done using a couple different methods.

  • The best way to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This form saves time by eliminating separate quotes for every car insurance company. Taking the time to complete one form will return quotes instantly. This is by far the quickest method.
  • A slightly less efficient method to compare rate quotes is to take the time to go to each company's website to complete a price quote. For examples sake, we'll assume you want rates from , and . To get rate quotes you would need to take the time to go to each site and enter your information, and that's why the first method is more popular.

    To view a list of companies in Tustin, click here.

It's up to you how you get prices quotes, just double check that you are using apples-to-apples coverages and limits with each company. If the quotes have different deductibles you will not be able to make an equal comparison in Tustin. Having just a slight variation in limits may cause a big price difference. It's important to know that obtaining a wide range of quotes provides better odds of finding a lower rate.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with lower car insurance prices.

  • Are you male or female? - The statistics show women tend to be less risk to insure than men. That doesn't necessarily mean that men are worse drivers. Women and men tend to get into accidents at a similar rate, but the males cause more damage. They also have more aggressive citations like DUI and reckless driving. Young males tend to get in the most accidents and therefore have the most expensive car insurance rates.
  • Drive a safer car and pay less - Cars with high safety ratings tend to have better insurance rates. These vehicles reduce injuries and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Bad driving skills means higher rates - Your driving citation history has a big impact on rates. Careful drivers tend to pay less for car insurance than bad drivers. Only having one speeding ticket can boost insurance rates by twenty percent. Drivers who have serious citations such as reckless driving, hit and run or driving under the influence may need to file a SR-22 to the state department of motor vehicles in order to continue driving.
  • Consolidate policies to earn discounts - Most car insurance companies will give a discount to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even with this discount, it's in your best interest to compare rates to ensure the best deal. You may still be able to find better rates by splitting coverages up.
  • Mature drivers pay less - Youthful drivers in California are statistically proven to be more careless in a vehicle so car insurance rates are higher. Mature drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations.
  • Discounts for married couples - Getting married can actually save you money on your car insurance policy. It means you're more mature it has been statistically shown that drivers who are married are more cautious.
  • Extra add-on coverages are wasting money - There are many extra bells and whistles that you can buy when buying car insurance. Things like roadside assistance, towing coverage and term life insurance may be wasting your money. These coverages may sound good when talking to your agent, but if they're wasting money remove them from your policy.

Are car insurance companies telling the truth?

Car insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with ads on TV and radio. They all seem to make the same claim that you can save if you switch to their company. But how can every company claim to save you money? This is how they do it.

All companies can use profiling for the driver that is profitable for them. A good example of a desirable insured might be between 30 and 50, has no tickets, and drives less than 7,500 miles a year. Any driver who matches those parameters will get the preferred rates and most likely will save a lot of money.

Potential insureds who don't qualify for this ideal profile will have to pay more money which leads to the customer not buying. The ads state "drivers who switch" not "people who quote" save that much. That's why insurance companies can advertise the way they do. Because of the profiling, drivers must get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest rates.

Do the work, save more money

When shopping online for car insurance, do not reduce coverage to reduce premium. There are many occasions where an insured dropped full coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to get the best coverage possible for the lowest price.

Insureds switch companies for any number of reasons including denial of a claim, unfair underwriting practices, high prices or policy cancellation. No matter why you want to switch, switching car insurance companies is actually quite simple.

We just presented some good ideas how to compare car insurance prices online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a lesser-known regional company.

compare Tustin car insurance rates

Additional detailed information can be read at the California Department of Insurance website. Visitors are able to learn about insurance regulations, find disaster information, and file complaints about a company.

Additional helpful sites include this Car Insurance FAQ and this page of insurance agents in Tustin.