How to Know You’re Paying Too Much for Car Insurance in Roseville, CA

No one in their right mind looks forward to buying car insurance, in particular when they are paying too much. Big-name insurance companies like Progressive, State Farm and GEICO all promote huge savings with ads and it can be hard to separate fact from fiction and effectively compare rates to find the best deal.

You should take the time to check car insurance prices occasionally because prices trend upward over time. If you had the lowest price six months ago a different company probably has better rates today. There are lots of tips to save on car insurance online but in just a couple of minutes you can learn some good information on how to lower your car insurance rates.

More discounts mean lower premiums

Some companies don’t always advertise every discount they offer in a way that’s easy to find, so the list below details some of the more common and the more hidden discounts you could be receiving when you .

  • Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Theft Deterent – Vehicles that have factory alarm systems and tracking devices can help prevent theft and can earn a small discount on your policy.
  • Homeowners Savings – Owning a home in Roseville can save you money due to the fact that maintaining a home demonstrates responsibility.
  • Pay Upfront and Save – By making one initial payment instead of monthly or quarterly installments you may reduce your total bill.
  • Memberships – Belonging to a professional or civic organization is a simple method to lower premiums when shopping for car insurance.
  • Employee of Federal Government – Federal government employees may qualify for a discount when you with certain companies.
  • Telematics Devices – Roseville drivers who agree to allow their car insurance company to spy on their driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • College Student – Kids who are attending college and do not have a car may be able to be covered for less.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. A few only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like you can get free auto insurance, it just doesn’t work that way. But all discounts will cut your policy premiums.

Auto insurance companies who might offer some of the discounts shown above include:

When getting a coverage quote, ask each insurance company how you can save money. Depending on the company, some discounts may not apply to policies in your state. To choose providers who offer free car insurance quotes in California, follow this link.

Cutting your car insurance rates is actually quite simple. All that’s required is to invest a little time comparing rate quotes from some recommended companies. This can be accomplished in just a few minutes using one of these methods.

  1. If you’re in a hurry, the quickest way to get the best comparison quotes is a comparison rater form click here to open form in new window. This quick form eliminates the need for separate forms to each individual car insurance company. One quote request gets you coverage quotes from car insurance companies with the best prices.
  2. A more difficult way to analyze rates is to manually visit the website for every company you want to comare and fill out their own quote form. For sake of this example, let’s say you want to get rates from Farmers, Safeco and Allstate. To find out each rate you need to go to each individual site and enter your information, which is not fast way to get rate quotes.

    To view a list of companies in Roseville, click here.

  3. The last way to do your price quoting is going to insurance agencies in your area. Buying insurance online eliminates the need for an insurance agent unless you require the trained advice that can only be provided by a licensed insurance agent. It is possible to price shop online but have your policy serviced through an agent.

Compare rates however you want, just ensure you’re using nearly identical coverage limits and deductibles on every quote. If the quotes have different coverage information it will be very difficult to find the best deal in Roseville.

lower rates in California

More comparisons equals lower rates

A few companies may not have the ability to get a quote online and usually these small insurance companies provide coverage only through independent agents. The cheapest car insurance is definitely available on the web as well as from independent agents in Roseville, so compare prices from both to have the best rate selection.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to buy enough coverage at the best possible price, not the least amount of coverage.