Auto Insurance in Vacaville – 10 Ways to Save Money

Do you get exhausted from not being able to scrape enough together to insure your vehicles every month? You’re in the same situation as most other consumers in California. Multiple auto insurance companies compete for your insurance dollar, so it can be very hard to choose a insurance company to find the absolute best rates possible.

If you are insured now or are shopping for new coverage, you will benefit by learning to find the best rates and still get good coverage. Choosing the best insurance company for you in Vacaville is not that difficult. California consumers only need an understanding of the best way to compare rates on the web.

Do you qualify for discount auto insurance?

Insuring your vehicles can cost a lot, but you might find some hidden discounts that may help make it more affordable. Certain credits will be shown at the time you complete a quote, but a few need to be inquired about in order for you to get them.

  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you may have a lower total premium amount.
  • Organization Discounts – Belonging to a civic or occupational organization in Vacaville could qualify you for a break when shopping for auto insurance.
  • Active Military Service – Having an actively deployed family member could be rewarded with lower rates.
  • Senior Citizen Discount – Drivers that qualify as senior citizens are able to get a discount up to 10%.
  • Save with More Vehicles Insured – Purchasing coverage when you have several vehicles with the same company qualifies for this discount.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety can save you 5% or more if you qualify.
  • Good Student – Maintaining excellent grades can get you a discount of up to 25%. Most companies allow this discount well after school through age 25.
  • Own a Home and Save – Being a homeowner can save a few bucks due to the fact that maintaining a home is proof that your finances are in order.
  • College Student – College-age children who live away from home at college and do not have access to a covered vehicle may qualify for this discount.
  • Onboard Data Collection – Insureds who allow their insurance company to study where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot may see discounts if their driving habits are good.

As is typical with insurance, some credits don’t apply to all coverage premiums. Some only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like adding up those discounts means a free policy, that’s just not realistic.

To see a list of insurers who offer online auto insurance quotes in California, click here to view.

Get rate quotes but buy from a local Vacaville insurance agent

A small number of people would prefer to talk to a local agent and doing that can be a smart decision Professional agents can help determine the best coverages and help you file claims. The biggest benefit of getting free rate quotes online is that you can obtain cheap auto insurance quotes and still buy from a local agent.

After filling out this short form, your insurance coverage information is instantly submitted to insurance agents in Vacaville that provide for your auto insurance coverage. You don’t have to drive around due to the fact that quote results will go straight to your inbox. If you have a need to get a price quote from a particular provider, feel free to navigate to their website and fill out their quote form.

Finding a good company is decision based upon more than just the premium amount. The answers to these questions are important, too.

  • Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
  • Do they write coverage based solely on cost?
  • Where would glass claims be handled in Vacaville?
  • How often do they review policy coverages?
  • Do they get paid more for recommending certain coverages?
  • Does the agency have a current Errors and Omissions policy?
  • Is vehicle mileage a factor when determining depreciation for repairs?

When researching a reliable insurance agent, you need to know there are two types of agencies that you can select. Agencies in Vacaville can be described as either captive or independent. Either can write policy coverage, but it’s worth learning the differences since it can impact the type of agent you choose.

Captive Agencies

Captive agencies generally can only insure with one company and examples are Allstate and State Farm. They generally cannot compare rates from other companies so it’s a take it or leave it situation. Captive insurance agents are usually quite knowledgeable on their company’s products which helps them sell insurance even at higher premiums.

Below are captive agents in Vacaville who may provide you with rate quotes.

State Farm Insurance – 104 Browns Valley Pkwy – Vacaville, CA 95688 – (707) 452-9599
Allstate Insurance – 350 Merchant St – Vacaville, CA 95688 – (707) 448-8330

Independent Agents

These agents can quote rates with many companies so as a result can place your coverage through many companies and get you the best rates possible. If they find a lower price, the business is moved internally and you don’t have to switch agencies.

When searching for an agent, you absolutely need to compare quotes from several independent insurance agents to maximize your price options.

Shown below are Vacaville independent insurance agencies who can help you get price quotes.

Kathy Krohn Insurance – 400 Boyd St – Vacaville, CA 95688 – (707) 451-7422
R B Smith Insurance Svc – 419 Mason St # 106 – Vacaville, CA 95688 – (707) 446-8212

For more auto insurance agents in Vacaville, visit this complete selection of Vacaville California auto insurance providers.

Be skeptical of auto insurance ads

Consumers can’t ignore all the ads that promise big savings from the likes of Allstate, Geico and Progressive. All the ads advertise the message about saving some big amount after switching your auto insurance coverage to their company.

How does each company charge lower premium rates?

Insurance providers provide the lowest rates for the right customer that will be a good risk. For instance, this type of driver might be over the age of 45, has other policies, and has a short commute. Any person that meets those criteria will get very good Vacaville prices and will most likely save quite a bit of money when switching.

Consumers who do not fit these standards may be forced to pay a higher rate and this can result in the driver buying from a lower-cost company. If you pay close attention to the ads, they say “drivers who switch” not “everybody who quotes” save that much money. That is how companies can truthfully make it sound like they have such great car insurance rates. This really drives home the point why you really should do a rate comparison at every renewal. Because you cannot predict which auto insurance company will have the lowest rate quotes.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Should I have combined single limit or split liability limits?
  • When does my teenage driver need to be added to my policy?
  • Do I have any recourse if my insurance company denies a claim?
  • Do all my vehicles need collision coverage?
  • Should I rate my vehicle as pleasure use or commute?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I get insurance after a DUI in California?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Detailed coverages of your auto insurance policy

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy. These are the normal coverages offered by auto insurance companies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your vehicle.

Since many California drivers only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for bills like ambulance fees, hospital visits, prosthetic devices and rehabilitation expenses. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible


Liability coverage can cover damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

California insurance cheap

Liability insurance covers things such as legal defense fees, attorney fees and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but consider buying as much as you can afford. California state law requires minimum liability limits of 15,000/30,000/5,000 but drivers should carry more liability than the minimum.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like crashing into a building, hitting a parking meter, driving through your garage door, backing into a parked car and colliding with a tree. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, hitting a bird, rock chips in glass, damage from flooding and a broken windshield. The maximum amount your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

More tips and info about auto insurance can be found at the California Department of Insurance website. Consumers can find a variety of consumer forms, learn about insurance regulations, read state legal mandates and laws, and learn about specific coverages.

The following information may also be useful.

Quote often and quote early

Lower-priced auto insurance is possible both online and from local insurance agents, so you need to with both to have the best selection. There are still a few companies who do not offer the ability to get quotes online and these small insurance companies provide coverage only through independent insurance agencies.

When searching for , make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, an insured cut liability coverage limits and learned later that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the lowest possible cost while not skimping on critical coverages.