Having to pay for overpriced auto insurance can empty your savings account and force you to make sacrifices. Comparison shopping is a smart way to slash your bill and have more diposable income. You have so many auto insurance companies to pick from, and even though it’s nice to have a selection, it makes it harder to find a good deal.
You should take the time to compare prices occasionally since rates go up and down regularly. Even if you got the best rates for Diablo insurance two years ago there may be better deals available now. So just forget all the misinformation about auto insurance because you’re going to get a crash course in the easiest way to remove unneeded coverages and save money.
How to Get Cheap Auto Insurance
Getting a lower price on insurance can be quick and easy. You just need to spend a few minutes on the computer to compare rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.
- The recommended way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This form eliminates the need for repetitive form submissions to each individual auto insurance company. Filling out one form will get you rate comparisons .
- A slightly less efficient method to obtain and compare quotes online requires a trip to the website for each individual company to request a price quote. For example, let’s assume you want to compare rates from GEICO, Progressive and Farmers. You would have to visit each site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
Whichever way you use, be sure to compare apples-to-apples coverage information with each company. If each company quotes unequal deductibles or liability limits it will be next to impossible to make an equal comparison.
Verify you’re getting all your discounts
Insuring your vehicles can cost a lot, but you can get discounts to help bring down the price. Larger premium reductions will be automatically applied at the time you complete a quote, but some may not be applied and must be asked for before being credited. If you don’t get every credit available, you’re just leaving money on the table.
- Multiple Policy Discount – If you have multiple policies with one insurance company you may save at least 10% off all policies.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
- Federal Government Employee – Active or retired federal employment can save as much as 8% for Diablo insurance with a few auto insurance companies.
- Homeowners Pay Less – Owning a house may earn you a small savings due to the fact that maintaining a home is proof that your finances are in order.
- E-sign – A handful of insurance companies give back up to $50 for buying a policy and signing up on their website.
- 55 and Retired – If you qualify as a senior citizen, you can possibly qualify for better auto insurance rates for Diablo insurance.
- Driver Safety – Completing a course teaching defensive driving skills can save you 5% or more if your company offers it.
It’s important to note that many deductions do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. So despite the fact that it appears all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will cut your overall premium however.
To choose providers with the best auto insurance discounts, click here.
