Free Guide to Paying Less for Venice Auto Insurance Online

Have you had enough of being strong-armed each month for car insurance? You are no different than many other California drivers.

Numerous battle to insure your vehicles, so it's not easy to compare every to find the lowest rate

It's important to compare prices before your policy renews because prices are constantly changing. Just because you had the best price a few years ago you can probably find a better price now. Block out anything you think you know about auto insurance because I'm going to let you in on the secrets to the proper way to find better coverage at a better price.

How to Lower your Auto Insurance Rates

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower auto insurance prices.

Listed below are a few of the "ingredients" used by your company to calculate rates.

  • Are you male or female? - The statistics show that men are more aggressive behind the wheel. That doesn't necessarily mean that women are BETTER drivers than men. Women and men have accidents in similar percentages, but the males cause more damage. They also get cited for more serious violations like DUI and reckless driving. Young males are several times more likely to be in an accident and are penalized with high auto insurance rates.
  • Too many auto insurance claims drive up costs - If you tend to file frequent claims, you can definitely plan on either a policy non-renewal or much higher rates. Car insurance companies in California provide better rates to drivers who do not file claims often. Auto insurance is intended for major claims that would cause financial hardship.
  • Cautious drivers pay less - Your driving citation history impacts your car insurance rates tremendously. Drivers who don't get tickets receive lower rates than bad drivers. Just one speeding ticket can bump up the cost by twenty percent. Drivers who have serious citations like DUI or reckless driving may need to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to continue driving.
  • Extra add-on coverages are wasting money - There are many extra bells and whistles that you can buy when buying auto insurance. Coverages like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These coverages may sound good at first, but now you might not need them so get rid of them and save.
  • Marriage pays dividends - Having a spouse can actually save you money when buying auto insurance. It translates into being more mature and it's statistically proven that drivers who are married are more cautious.
  • Do you have enough liability coverage? - Liability insurance will protect you if ever you are found liable for personal injury or accident damage. It provides for a legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Bump up deductibles to save - Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. A few examples of covered claims would be colliding with a building, damage caused by hail, or theft. Your deductibles are how much you are willing to pay before a claim is paid by your company. The higher the amount you have to pay, the less your company will charge you for insurance.
  • Your occupation can affect rates - Did you know your occupation can influence how much you pay for auto insurance? Jobs such as lawyers, architects and accountants have higher rates than average attributed to high stress and lengthy work days. On the flip side, occupations like farmers, athletes and homemakers get better rates.

Venice auto insurance comparison

Policy discounts you shouldn't miss

Companies don't always advertise all their discounts in an easy-to-find place, so we took the time to find both the well known and the more hidden auto insurance savings.

  • Senior Citizens - If you're over the age of 55, you may qualify for a small decrease in premiums.
  • Employee of Federal Government - Employees or retirees of the government can save as much as 8% with select insurance companies.
  • Air Bag Discount - Factory air bags can get savings up to 30%.
  • Drive Less and Save - Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Sign Online - Certain companies may give you up to $50 just for signing your application on their website.

Keep in mind that most of the big mark downs will not be given to the entire cost. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, it just doesn't work that way.

To choose companies offering auto insurance discounts in Venice, follow this link.

Save $429 a year? Really?

Auto insurance companies such as Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. They all seem to say the same thing that you can save if you switch your coverage to them. How do they all claim to save you money?

All companies can use profiling for the type of customer that makes them money. For example, a desirable insured might be between the ages of 30 and 50, is a homeowner, and has a short commute. A customer getting a price quote who fits that profile will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential insureds who don't qualify for the "perfect" profile will have to pay more money which usually ends up with the customer not buying. The ads state "people who switch" but not "drivers who get quotes" save that much money. That's why insurance companies can make the claims of big savings. Because of the profiling, you should get a wide range of price quotes. It's impossible to know the company that will fit your personal profile best.

Additional detailed information can be found at the California Department of Insurance website. Visitors are able to learn about insurance regulations, download brochures, file complaints about a company, and discover disciplinary actions.

Final considerations

As you shop your coverage around, you should never buy poor coverage just to save money. There are many occasions where an accident victim reduced physical damage coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at an affordable rate.

We covered many ways to save on auto insurance. 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 lowest rates come from an unexpected company. Some small companies can often insure niche markets at a lower cost compared to the large companies like .