Find the Cheapest Riverside Auto Insurance

Are you intimidated by the dozens of auto insurance companies in Riverside? Lot's of other consumers are too. You have so many choices that it can turn into a real hassle to find the best price.

If you have car insurance now, you stand a good chance to be able to cut costs considerably using these techniques. Shopping for the lowest cost auto insurance coverage in Riverside is easy if you know what you're doing. But Connecticut consumers do need to know how the larger insurance companies market on the web because it can help you find the best coverage.

Why some people pay less for insurance in Riverside

Consumers need to have an understanding of some of the elements that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that could result in lower auto insurance prices.

Safe vehicles cost less to insure - Cars with high safety ratings are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means lower claim amounts and more competitive rates for policyholders.
Liability coverage is peace of mind - The liability section of your policy provides coverage if you are found liable for damages from an accident. Liability insurance provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
A lapse in coverage is a bad thing - Driving your car without having proper coverage is against the law and as a result your rates will increase for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.
Rates may be higher depending on your occupation - Occupations such as judges, architects and dentists tend to pay the highest average rates because of stressful work requirements and lengthy work days. Other jobs such as actors, historians and the unemployed have the lowest average rates.
Men fork out a little more - Statistics demonstrate women are more cautious behind the wheel. However, don't assume that women are better drivers. Women and men cause accidents in similar numbers, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get cited for more serious violations like DUI and reckless driving.
Multiple policies with one company can save - The majority of companies will award you with lower prices to insureds who buy several policies from them such as combining an auto and homeowners policy. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you still need to comparison shop to make sure you are getting the best deal. Consumers may find a better deal by buying insurance from more than one company.

Don't pay full price with these discounts

Companies offering auto insurance don't always advertise all available discounts in a way that's easy to find, so we researched both the well known as well as the least known auto insurance savings.

Fewer Miles Equal More Savings - Keeping the miles down could be rewarded with lower rates on the low mileage vehicles.
Organization Discounts - Being a member of a civic or occupational organization could qualify you for a break when buying auto insurance.
Use Seat Belts - Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
Accident Free - Drivers with accident-free driving histories pay much less when compared with accident-prone drivers.
No Charge for an Accident - A handful of insurance companies will forgive one accident before hitting you with a surcharge so long as you haven't had any claims prior to the accident.
Anti-theft Discount - Anti-theft and alarm systems help deter theft and will save you 10% or more.
Military Rewards - Having a deployed family member can result in better rates.
Homeowners Discount - Owning a home in Riverside may trigger a auto insurance policy discount because of the fact that having a home shows financial diligence.
Discount for Life Insurance - Select insurance companies reward you with better rates if you take out a life insurance policy as well.

Consumers should know that most credits do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. So when it seems like it's possible to get free car insurance, companies don't profit that way.

To choose insurers with the best auto insurance discounts in Riverside, follow this link.

The auto insurance bait and switch

21st Century, Allstate and State Farm regularly use ads in print and on television. All the companies say the same thing that you'll save big if you move to them. How can each company claim to save you money?

All companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer might be between the ages of 40 and 55, has no driving citations, and drives newer vehicles. A customer getting a price quote who fits that profile will qualify for the lowest rates and therefore will save when they switch companies.

Potential customers who don't measure up to the requirements must pay a higher premium which usually ends up with the customer not buying. The ad wording is "customers that switch" not "everyone that quotes" save money. That's the way companies can claim big savings. This illustrates why you should get as many quotes as possible. It's impossible to know which auto insurance company will give you the biggest savings.

More detailed Connecticut auto insurance information is located at the Connecticut Insurance Department website. Visitors are able to find disaster information, find out which companies have the most complaints, and find a variety of consumer forms.

Affordable insurance is out there

Discount auto insurance is definitely available both online and with local Riverside insurance agents, so you should be comparing quotes from both to have the best rate selection. A few companies do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

Consumers who switch companies do it for a number of reasons such as delays in responding to claim requests, questionable increases in premium, being labeled a high risk driver or even high rates after DUI convictions. Regardless of your reason, choosing a new insurance company is easier than you think.

When trying to cut insurance costs, it's a bad idea to buy poor coverage just to save money. There are a lot of situations where someone sacrificed liability coverage limits only to discover later that it was a big mistake. The proper strategy is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.