Tightwads Guide for Saving on Willits Auto Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your personal savings and force you to prioritize other expenses. Comparing price quotes is a great way to make sure you're not throwing money away. Big companies like State Farm, Allstate, GEICO and Progressive constantly blast consumers with ad campaigns and consumers find it hard to sift through the bull and effectively compare rates to find the best deal.

It's important to shop coverage around yearly because prices are constantly changing. If you had the best rates a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding auto insurance on the internet, so I'm going to show you some great ways to put money back in your pocket.

If you are insured now or need a new policy, you can learn to find the best rates while maintaining coverages. Finding the best rates in Willits is quite easy. California drivers only need an understanding of the proper way to buy auto insurance online.

Are you getting all your discounts?

Companies don't always advertise all their discounts in a way that's easy to find, so the following is a list of both the well known and the more hidden discounts you could be receiving. If you aren't receiving every discount you deserve, you are throwing money away.

Life Insurance Discount - Larger companies have better rates if you take out a life insurance policy as well.
Save with a New Car - Putting insurance coverage on a new car is cheaper since new cars are generally safer.
Claim Free - Drivers who don't have accidents pay less as compared to drivers who are more careless.
Pay Upfront and Save - By paying your policy upfront instead of monthly or quarterly installments you could save up to 5%.
Sign Online - Certain companies may give you up to $50 simply for signing digitally online.
Defensive Driving Course - Completing a defensive driving course could cut 5% off your bill if you qualify.
Anti-theft Discount - Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.

It's important to understand that some of the credits will not apply to your bottom line cost. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, it doesn't quite work that way.

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there really is not a perfect coverage plan. Everyone's needs are different and your policy should reflect that. For instance, these questions can help discover whether you would benefit from an agent's advice.

When does my teenage driver need to be added to my policy?
Can I still get insurance after a DUI?
What companies insure drivers after a DUI or DWI?
What can I do if my company won't pay a claim?
Does my personal policy cover me when driving my company car?
Do I really need UM/UIM coverage?
Does my personal auto insurance policy cover using my vehicle for business use?

If you can't answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and can provide invaluable advice.

How can GEICO, State Farm and Progressive save drivers who switch?

Consumers in California get pounded daily by advertisements for car insurance savings from the likes of GEICO, State Farm and Progressive. They all seem to have a common claim of big savings if you move your coverage to them.

How can each company claim to save you money?

All companies have a preferred profile for the type of customer that earns them a profit. A good example of a desirable insured might be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote that hits that "sweet spot" is entitled to the best price and as a result will probably save when they switch companies.

Consumers who are not a match for the requirements will have to pay higher prices and this can result in the customer not buying. The ads state "people who switch" not "everybody who quotes" save that much money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you should get a wide range of price quotes. It's impossible to know which insurance companies will provide you with the cheapest rates.

Learn more about auto insurance in California

More tips and info about auto insurance can be read at the California Department of Insurance website. Visitors are able to view agent and company licensing information, file complaints about an insurance agent or broker, read industry bulletins, and view a list of available companies.

Best coverage at the best price

When shopping online for auto insurance, it's not a good idea to buy lower coverage limits just to save a few bucks. In many instances, consumers will sacrifice collision coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at an affordable rate.

Low-cost auto insurance is definitely available both online as well as from independent agents in Willits, so you should compare both in order to have the best price selection to choose from. Some auto insurance companies don't offer you the ability to get quotes online and most of the time these small insurance companies sell through independent agents.