Professional Tricks to Saving Money on San Jose California Car Insurance

Professional Tricks to Saving Money on San Jose California Car Insurance

Overpriced car insurance can dwindle your checking account and force you to make sacrifices. Doing a price comparison is a smart way to tighten up your finances.

Many insurers vie to insure your vehicles, so it’s not easy to compare every provider and get the best coverage at the lowest rate

How to Buy San Jose Car Insurance Online

All the larger car insurance companies like Allstate and Progressive quote prices on their websites. Getting quotes doesn’t take much effort as you simply type in your coverage information into a form. When the form is submitted, their rating system sends out for credit information and your driving record and returns pricing information. Being able to quote online streamlines rate comparisons, but the time required to go to a lot of sites and complete many quote forms is repetitive and time-consuming. But it is imperative to get many rate quotes in order to get a lower rate.

Isn’t there an easier way to compare rates?

A quicker way to find lower prices uses one simple form that analyzes rates from several different companies. It saves time, eliminates form submissions, and makes rate comparisons much easier to do. After sending the form, your coverage is rated with multiple companies and you can pick any of the returned quotes.

If you find a better price it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to find out how much you can save on car insurance, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you copy the coverage information exactly as shown on your declarations page. This makes sure you are getting a rate comparison using the same coverage and limits.

These discounts can lower your rates

Car insurance can cost a lot, but you may find discounts to cut the cost considerably. Some discounts apply automatically when you purchase, but less common discounts must be inquired about before they will apply.

  • Military Discounts – Being on active duty in the military can result in better rates.
  • Discount for Life Insurance – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
  • Drive Less and Save – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Multiple Cars – Buying coverage for all your vehicles on one policy qualifies for this discount.

Consumers should know that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will help reduce the amount you have to pay.

For a list of insurers offering car insurance discounts in California, click this link.

Different people need different coverages

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance should reflect that For example, these questions can help discover if you would benefit from professional advice.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I have combined single limit or split liability limits?
  • Does my personal auto insurance policy cover using my vehicle for business use?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my babysitter covered when using my vehicle?
  • Is pleasure use cheaper than using my vehicle to commute?
  • What if I don’t agree with a claim settlement offer?
  • What are the financial responsibility laws in California?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area.

California insurance information

Much more information about car insurance in California is available on the website for the California Department of Insurance. Click here for link. Visitors are able to download brochures, find disaster information, and get help finding coverage.