Uncover the Secrets to Lower San Diego Car Insurance

Have you had enough of trying to scrape together enough money each month for car insurance? You are no different than the majority of other car owners in California.

Insurance companies such as Allstate and Progressive increase brand awareness with TV and radio ads and it is challenging if not impossible to sift through the bull and find the best price available.

If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Finding the best auto insurance rates in San Diego is quite easy. But California drivers benefit from understanding how the larger insurance companies sell insurance online and take advantage of how the system works.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always list every discount in an easy-to-find place, so the following is a list of some of the more common and the more hidden ways to save on car insurance.

• Payment Discounts – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
• Drivers Ed for Students – Cut your cost by having your teen driver take driver’s ed class in high school.
• Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.
• Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
• Distant Student – Any of your kids who are attending college and do not have a car can receive lower rates.
• Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less than drivers with accident claims.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers who offer car insurance discounts in San Diego, click here to view.

Finding Car Insurance Deals in San Diego, California

All major car insurance companies like GEICO, State Farm and Progressive quote price estimates on their websites. Obtaining pricing is fairly simple as you simply type in your coverage preferences into a form. Upon sending the form, the company’s rating system automatically retrieves your driving and credit reports and returns a price based on many factors. Quoting online helps simplify price comparisons, but the time required to go to a lot of sites and fill out multiple forms gets old quite quickly. But it’s absolutely necessary to get many rate quotes if you are searching for a lower rate.

An easier way to compare rates requires only one form that obtains quotes from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable and efficient. As soon as the form is sent, it is quoted and you can choose any of the quote results. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process can be completed in a matter of minutes and you’ll know if lower rates are available.

To find out what other companies charge, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you copy exactly as they are listed on your policy. Doing this guarantees you will have comparison quotes based on identical coverages.

Tailor your coverage to you

When choosing proper insurance coverage, there really is no cookie cutter policy. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that might point out whether your personal situation could use an agent’s help.

• Do no-fault laws apply in California?
• Can I drive in Mexico and have coverage?
• How do I file an SR-22 for a DUI in California?
• Will I be non-renewed for getting a DUI or other conviction?
• Is my vehicle covered by my employer’s policy when using it for work?
• Do I need PIP coverage since I have good health insurance?
• Does medical payments coverage apply to all occupants?
• Does liability extend to a camper or trailer?

If it’s difficult to answer those 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.

The best insurance company isn’t always the cheapest

Low-cost car insurance can be found both online and also from your neighborhood San Diego agents, so you should compare both to have the best rate selection. Some car insurance companies may not provide online quoting and these smaller companies work with independent agents.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that the savings was not a smart move. Your focus should be to buy enough coverage at an affordable rate.