Are you intimidated by the dozens of car insurance companies in Anaheim? Many other drivers are as well. People have so many companies to choose from that it can turn into a ton of work to find better rates.
If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Finding more affordable protection in Anaheim is easy if you know what you’re doing. But California drivers must learn the way companies determine prices and apply this information to your search.
Low Cost Anaheim Car Insurance
Most companies quote price estimates online. Obtaining pricing doesn’t take much effort as you just enter your coverage information as detailed in the form. Once entered, their system automatically retrieves your driving record and credit report and quotes a price based on many factors.
Being able to quote online makes comparing rates easy, but the time it takes to visit many different websites and enter the same data into a form gets old quite quickly. But it is imperative to get many rate quotes if you want to find better prices.
Compare rates the easy way
The smarter way to find lower prices requires only one form to return rates from many companies. This type of form saves time, eliminates form submissions, and makes online quotes much more efficient. Immediately after submitting the form, it gets priced and you can choose any one of the returned quotes. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. The whole process takes 15 minutes at the most and may save quite a bit of money.
To use this form to compare rates, click here and complete the simple form. If you currently have coverage, we recommend you complete the form with coverages and limits just like they are on your policy. Doing this assures you’re receiving comparison quotes for the exact same coverage.
Can switching companies really save?
Allstate, GEICO and Progressive constantly bombard you with ads in print and on television. All the companies say the same thing that you’ll save big if you switch to them. How do they all claim to save you money? It’s all in the numbers.
Different companies have a preferred profile for the type of driver that is profitable for them. For example, a desirable insured could possibly be over the age of 40, a clean driving record, and has great credit. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably pay quite a bit less when switching companies.
Drivers who fall outside the requirements will be quoted higher premiums which leads to business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s the way insurance companies can state the savings. This emphasizes why you absolutely need to get a wide range of price quotes. It’s not possible to predict which car insurance company will have the lowest rates.
Rate influencing factors
An important part of buying insurance is that you know the rating factors that come into play when calculating your car insurance rates. Having a good understanding of what influences your rates empowers consumers to make smart changes that will entitle you to lower car insurance prices.
- Cautious drivers pay less – Even one ticket can bump up the cost by twenty percent. Drivers who don’t get tickets receive lower rates than people who have multiple driving citations. If you have severe violations such as DUI or reckless driving may find they need to submit a SR-22 form with the DMV in their state in order to drive a vehicle legally.
- Add-on coverages can add up – There are many extra coverages that you can get tricked into buying if you aren’t careful. Coverages like roadside assistance, accidental death and term life insurance are examples of these. These may sound like a good investment at first, but if they’re wasting money get rid of them and save.
- Your location is important – Being located in a rural area can save you money when buying car insurance. Lower population means fewer accidents. Drivers who live in large California cities tend to have traffic congestion and a longer drive to work. Longer commute distances can result in more accidents.
- One company can mean more discounts – Some car insurance companies will give a discount to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even up to twenty percent in some cases. Even though this discount sounds good, it’s still a good idea to comparison shop to ensure the best deal.
- Safer cars cost less to insure – Cars with high safety ratings tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company passed on to you as lower rates.
- Older drivers pay less – Teenage drivers in California are statistically proven to be less responsible when behind the wheel so car insurance rates are higher. Older insureds tend to be more responsible, statistically cause fewer accidents and are safer drivers.
- More miles equals more premium – Driving more miles each year the more you will pay for car insurance. Almost all companies apply a rate determined by how the vehicle is used. Cars left parked in the garage receive lower rates than vehicles that are driven to work every day. Make sure your car insurance coverage is rated on the proper vehicle usage, because improper ratings can cost you money.
Are you getting all your discounts?
Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so here is a list both well-publicized and also the lesser-known ways to save on car insurance.
- Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- Driver Safety – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
- Discount for Good Grades – Performing well in school can be rewarded with saving of up to 25%. Earning this discount can benefit you up until you turn 25.
- No Accidents – Drivers who don’t have accidents pay much less when compared with bad drivers.
- New Vehicle Savings – Adding a new car to your policy can save up to 30% since new cars are generally safer.
- Government Employees – Active or retired federal employment can earn a discount up to 10% depending on your company.
As a disclaimer on discounts, most discount credits are not given to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.
There’s no such thing as the perfect policy
When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.
For example, these questions might help in determining if you will benefit from professional help.
- When should I drop full coverage on my vehicle?
- What companies insure drivers after a DUI or DWI?
- What if I don’t agree with a claim settlement offer?
- I don’t drive much so do I pay less?
- When do I need to add a new car to my policy?
- Do I qualify for additional discounts?
If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.
Shop online but buy locally
Some people would rather buy from a local agent. The biggest benefit of getting online price quotes is you may find the best rates and still choose a local agent.
By using this short form, your insurance data is instantly submitted to local insurance agents who will battle to get your business. There is no reason to drive around as quotes are delivered straight to your inbox. How cool is that?! You’ll get the best rates and an insurance agent to talk to.
Picking an insurer needs to be determined by more than just a cheap price. These are valid questions to ask:
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in California?
- Do they make recommendations based only on price?
- Are there any hidden costs in their price quote and does it include driving and credit history?
- Are they full-time agents?
- Are you getting all the discounts the company offers?
- Do they receive special compensation for putting your coverage with one company over another?
Anaheim car insurance agents are either independent or captive
When looking for a reliable agent, there are two different agency structures from which to choose. Insurance agencies in Anaheim are categorized either captive or independent (non-captive).
Captive Insurance Agents
Captive agencies work for only one company like American Family, Liberty Mutual and AAA. They generally cannot give you multiple price quotes so they have to upsell other benefits. They are well schooled on their company’s products which helps them sell insurance even at higher premiums. Some people will only buy from captive agents mostly because of the brand legacy and strong financial ratings.
Listed below are Anaheim captive insurance agencies that can give you comparison quotes.
- Farmers Insurance Group – 5100 E LA Palma Ave # 213 – Anaheim, CA 92807 – (714) 777-1308
- Allstate Insurance – 5593 E Santa Ana Canyon Rd – Anaheim, CA 92807 – (714) 279-3903
- State Farm Insurance – 142 S Imperial Hwy – Anaheim, CA 92807 – (714) 637-0070
Independent Agencies or Brokers
Independent agents are not locked into one company so they have the ability to put coverage with any number of different companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier and you won’t have to switch agencies. When shopping rates, it’s a good idea to get quotes from multiple independent agents to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies who may have lower rates.
Below are Anaheim independent agents willing to provide price quote information.
- Gibson and Barba Insurance Inc – 1900 E LA Palma Ave # 113 – Anaheim, CA 92805 – (714) 772-2061
- Depot Insurance – 1440 S Anaheim Blvd # F12 – Anaheim, CA 92805 – (714) 776-0001
- Farmers Agency Anaheim Hills – 130 S Imperial Hwy – Anaheim, CA 92807 – (714) 974-4114
- Bob Bentley Agency – 121 N State College Blvd # 3 – Anaheim, CA 92806 – (714) 535-2825
- Applied General Agency – 1235 N Blue Gum St – Anaheim, CA 92806 – (714) 632-2801
To view a complete directory of car insurance agents in Anaheim, go to this page.
After getting acceptable answers to these questions and a good coverage price, chances are good that you have found an insurance agency that will service your policy.
Shop smart and save
As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice physical damage coverage only to discover later that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
People switch companies for a number of reasons such as high rates after DUI convictions, delays in responding to claim requests, questionable increases in premium and being labeled a high risk driver. Regardless of your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.
Cheap car insurance is attainable on the web and with local Anaheim insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.
Additional reading for car insurance information
Even more information is available at the California Department of Insurance website. Consumers can view a list of available companies, find out which companies have the most complaints, get help finding coverage, and read consumer alerts.