How to Know You’re Wasting Money for Car Insurance in San Francisco California

Perplexed by the sheer number of car insurance choices in San Francisco? Lot’s of other consumers are too. People have so many options available that it can quickly become a real challenge to find the best price.

Comprehensive San Francisco Car Insurance Comparison Quotes

Most major insurance companies quote prices online. The process is fairly simple as you just enter your coverage preferences into the quote form. When complete, the company’s rating system pulls reports for credit and driving violations and returns a price.

This makes comparing rates easy, but the process of having to visit different websites and enter the same data into a form can be a bit tiresome and repetitive. But it is imperative to do this in order to find the lowest possible prices on car insurance.

The easiest way to locate the lowest prices uses one form to return rates from many companies. It saves time, requires less work, and makes rate comparisons much easier to do. Once the form is submitted, your coverage is rated and you can choose any of the quotes returned.

If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The whole process takes less than 15 minutes and may result in a nice savings.

To get comparison pricing now, click here and submit your coverage information. If you have a policy now, it’s recommended you replicate the coverage information exactly as shown on your declarations page. This helps ensure you will have a rate comparison using the same coverage and limits.

Can you really save $455 a year?

Consumers in California can’t get away from ads for the lowest price auto insurance from companies such as State Farm, GEICO and Progressive. All the ads say the same thing that you can save if you move your policy.save money image

How does each company claim to save you money? This is how they do it.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. A good example of a driver they prefer might be between the ages of 30 and 50, has no driving citations, and has a high credit rating. A driver who meets those qualifications is entitled to the best price and therefore will pay quite a bit less when switching companies.

Drivers who are not a match for this ideal profile will have to pay a higher premium which leads to the customer not buying. The ads state “customers who switch” not “people who quote” save money. That’s the way companies can truthfully advertise the way they do.

Because of the profiling, it is so important to get a wide range of price quotes. It’s not possible to predict which company will have the lowest rates.

Cut your car insurance rates with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Most are applied at quote time, but a few need to be asked for prior to receiving the credit. If you’re not getting every credit possible, you are paying more than you should be.

  • No Accidents – Claim-free drivers can earn big discounts when compared with bad drivers.
  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Own a Home – Owning a home in San Francisco can save you money due to the fact that maintaining a home is proof that your finances are in order.
  • Auto/Home Discount – When you have multiple policies with one insurance company you could get a discount of up to 20% off your total premium.

It’s important to understand that some of the credits will not apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way. Any amount of discount will cut your premiums.

Additional information is available on the California Department of Insurance website found here. California drivers can learn about specific coverages, find out which companies have the most complaints, view a list of available companies, and read enforcement actions against agents and companies.

compare rates in San Francisco CA

Other useful links include this page for California car insurance and this page for help finding agents in San Francisco, CA.

More effort can pay off

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced liability limits or collision coverage and found out when filing a claim they didn’t purchase enough coverage. The aim is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We covered a lot of techniques to get a better price on car insurance. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. Drivers may discover the most savings is with a small mutual company.

People change insurance companies for many reasons like high rates after DUI convictions, lack of trust in their agent, denial of a claim and high prices. No matter why you want to switch, finding the right car insurance provider can be pretty painless.