Easy Techniques to Cut Costs on Yucaipa Auto Insurance

Finding lower premiums on Yucaipa auto insurance is nearly impossible for consumers new to comparison shopping online. Consumers have so many options that it can quickly become a challenge to compare prices in Yucaipa.

Finding the cheapest coverage in Yucaipa is not that difficult. If you have insurance now or need a new policy, you can learn to find better prices and possibly find even better coverage. California vehicle owners just need to know the proper methods to get comparison quotes online.

Take advantage of discounts

Insuring your fleet can be pricey, but you can get discounts that many people don't even know exist. A few discounts will automatically apply when you complete an application, but lesser-known reductions have to be specially asked for before they will apply. If you're not getting every credit available, you are throwing money away.

  • Drivers Education - Make teen driver coverage more affordable by requiring them to successfully complete driver's ed class in school.
  • Service Members Pay Less - Being deployed with a military unit could mean lower rates.
  • Anti-lock Brakes - Cars that have steering control and anti-lock brakes are safer to drive and earn discounts up to 10%.
  • Life Insurance Discount - Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Defensive Driver - Taking part in a course in driver safety could save 5% or more if you qualify.
  • Distant Student - Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Passive Restraints and Air Bags - Cars that have air bags may earn rate discounts of more than 20%.
  • Seat Belt Usage - Drivers who require all occupants to use their safety belts could cut 10% or more off your PIP or medical payments premium.
  • Employee of Federal Government - Active or retired federal employment may qualify you for a discount with a few auto insurance companies.
  • Payment Discounts - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.

Drivers should understand that some credits don't apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, companies wouldn't make money that way. But all discounts will bring down your overall premium however.

compare Yucaipa auto insurance rates

Yucaipa Rates are Influenced by These Factors

Smart consumers have a good feel for the factors that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay enables informed choices that will entitle you to big savings.

  • High numbers of claims are not good - Companies in California generally give lower rates to people who are claim-free. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Insurance coverage is designed for major claims that would cause financial hardship.
  • Car features impact rates - Driving a car with anti-theft technology or alarm system can get you a discount on your auto insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder auto theft.
  • Credit scores impact auto insurance rates - Having a bad credit score is a huge factor in your rate calculation. So if your credit history is lower than you'd like, you could potentially save money when insuring your by spending a little time repairing your credit. Drivers who have high credit ratings tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Drive less and save money - The more miles you rack up on your car every year the higher your rate. Most insurance companies apply a rate based on how the vehicle is used. Cars not used for work or commuting qualify for better rates than those used for commuting. Ask your agent if your auto insurance policy shows how each vehicle is driven.
  • Don't get talked into coverage you don't need - There are many extra bells and whistles that can waste your money on your auto insurance policy. Coverages for roadside assistance, accident forgiveness and term life insurance are some examples. They may seem like a good idea when talking to your agent, but if they're wasting money eliminate them to save money.
  • Older drivers pay less - Teen drivers in California are statistically proven to be careless and easily distracted in a vehicle so they pay higher auto insurance rates. Mature drivers are more cautious drivers, file fewer claims and receive fewer citations.
  • Never go without insurance - Letting your insurance expire is a guaranteed way to bump up your auto insurance costs. Not only will you pay more, but being ticketed for driving with no insurance might get you a license revocation or jail time.You may need to file a SR-22 with the California DMV.

Are auto insurance companies telling the truth?

California consumers get pounded daily by advertisements for the lowest price auto insurance by State Farm, Allstate and GEICO. They all have a common claim that you'll save big if you switch to their company.

How does each company make almost identical claims? This is how they do it.

All the different companies can use profiling for the driver that earns them a profit. For example, a driver they prefer could possibly be between 30 and 50, has no tickets, and chooses high deductibles. A driver that hits that "sweet spot" will qualify for the lowest rates and most likely will save when switching.

Consumers who don't qualify for these standards will be quoted higher rates and this can result in the driver buying from a lower-cost company. The ad wording is "drivers who switch" not "people who quote" save that much. That's why companies can state the savings.

This emphasizes why drivers should compare many company's rates. It is impossible to predict the company that will give you the biggest savings.

More California auto insurance information

Much more information about auto insurance in California can be found on the California Department of Insurance website. Click here for link. California consumers can download brochures, view a list of available companies, and find out industry alerts.

Also read more on this site for auto insurance rates in California and this list of insurance agents in Yucaipa, CA.

compare Yucaipa auto insurance rates

Best coverage at the best price

Drivers switch companies for any number of reasons including extreme rates for teen drivers, unfair underwriting practices, policy cancellation and even delays in paying claims. No matter why you want to switch, switching auto insurance companies is less work than it seems.

When buying insurance coverage, make sure you don't skimp on coverage in order to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that their decision to reduce coverage ended up costing them more. The proper strategy is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Budget-conscious auto insurance can be found online and also from your neighborhood Yucaipa agents, so compare prices from both to get a complete price analysis. Some insurance companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.