When searching for more affordable insurance, are you overwhelmed by the wide range of auto insurance providers in your area? Drivers have so many choices that it can quickly become a real hassle to lower your premium rates. If you’ve ever been there, you know that Burbank is the perfect city to reside in, but paying high auto insurance rates can make it difficult for lots of drivers to pay other bills every month.
There are several ways to compare auto insurance quotes, and some are less time-consuming than others. You can waste a few hours (or days) driving to insurance companies in Burbank, or you could use the web to achieve your goal.
The majority of car insurance companies take part in a program where insurance shoppers complete one form, and each participating company can give them a price based on the submitted data. This prevents consumers from doing quote requests to every company.
To compare rates using this form now click here to start a free quote.
One minor caviat to getting quotes like this is you are unable to specify which companies you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have a page of the cheapest auto insurance companies in California. Click here for list of insurance companies in California.
It doesn’t matter which method you choose, just do your best to enter the exact same coverage data with every price quote. If you have different liability limits it will be next to impossible to determine which rate is truly the best in Burbank.
Take these nine policy discounts and save
Some insurance providers don’t list all available discounts very well, so we break down some of the more common and also the more inconspicuous credits that may apply to you.
- ABS Braking Discount – Vehicles that have anti-lock braking systems are much safer to drive and earn discounts up to 10%.
- Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off but check with your company.
- Good Students Pay Less – Performing well in school could provide a savings of up to 20% or more. Earning this discount can benefit you until age 25.
- Military Rewards – Being on active deployment in the military could be rewarded with lower rates.
- Low Mileage Discounts – Keeping the miles down can earn slightly better rates than normal.
- Seat Belt Discounts – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off PIP or medical payments premium.
- Auto/Home Discount – When you combine your auto and home insurance with one company you could earn a discount of up to 20% off your total premium.
- Professional Organizations – Being a member of a professional or civic organization can get you a small discount on your bill.
- Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a break if you buy a life insurance policy as well.
As is typical with insurance, some credits don’t apply to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.<img class="alignright" style="padding-top:15px" src="https://www.carinsurancediy.com/wp-content/uploads/ci175-118.jpg" alt="lower rates in Burbank” />
To see insurers who offer discounts in Burbank, click here to view.
Specific coverages
Learning about specific coverages of your auto insurance policy can help you determine the best coverages at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.
Coverage for medical expenses – Med pay and PIP coverage pay for immediate expenses for funeral costs, doctor visits and rehabilitation expenses. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive auto insurance – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as damage from getting keyed, hitting a bird, a broken windshield, rock chips in glass and hail damage. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.
Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a building, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.
Liability auto insurance – This can cover damage or injury you incur to other’s property or people that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability coverage pays for things such as repair bills for other people’s vehicles, court costs and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible. California state law requires minimum liability limits of 15,000/30,000/5,000 but you should consider buying more coverage.
Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your vehicle.
Because many people only purchase the least amount of liability that is required (15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.
Additional consumer information websites
Additional auto insurance information is located on the California Department of Insurance website located here. California drivers can find out which companies have the most complaints, view a list of available companies, and report car insurance fraud.