How to Know You're Wasting Money for Car Insurance in Orange

Did you fall for a flashy sales pitch and buy overpriced car insurance? Believe me when I say you're not the only one.

Popular companies such as State Farm, Allstate, GEICO and Progressive constantly bombard you with catchy ads and it can be hard to sift through the bull and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to save some money using this strategy. Finding the best rates in Orange is quite easy. Nevertheless, Connecticut car owners do need to know how companies price insurance differently and take advantage of how the system works.

Are you getting all your discounts?

Car insurance companies don't always list all available discounts in a way that's easy to find, so here is a list some of the more common and also the lesser-known discounts you could be receiving.

Fewer Miles Equal More Savings - Fewer annual miles can qualify you for a substantially lower rate.
Driver Safety - Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
New Car Discount - Putting insurance coverage on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
Service Members Pay Less - Being deployed with a military unit may qualify for rate reductions.
Discount for Good Grades - Getting good grades can earn a discount of 20% or more. The discount lasts well after school through age 25.
Life Insurance Discount - Larger companies have better rates if you take out life insurance.
Homeowners Discount - Owning a home in Orange can save you money due to the fact that maintaining a home requires personal responsibility.
Anti-lock Brakes - Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.

Consumers should know that some credits don't apply the the whole policy. Most only reduce specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don't profit that way.

For a list of insurers who offer car insurance discounts in Orange, click here.

Comprehensive Orange Car Insurance Comparison Quotes

Most major insurance companies quote prices on their websites. The process is quite easy as you just enter the coverage amounts you desire as detailed in the form. Once entered, their rating system will obtain your driving record and credit report and gives you a price quote based on many factors. Online quotes simplifies rate comparisons, but the process of having to visit multiple sites and fill out multiple forms is not the best way to spend an afternoon. But it's very important to compare as many rates as possible if you are searching for the best price on car insurance.

A more efficient way to find better car insurance pricing utilizes a single form that gets prices from many companies. The form is fast, requires less work, and makes online shopping much easier to do. After your information is entered, it is quoted and you can select your choice of the quotes that you receive. If you find a better price you can click and sign and buy the new coverage. It only takes a few minutes and may result in a nice savings.

If you want to find out if lower rates are available, click here to open in new window and submit your coverage information. If you have a policy now, it's recommended you input the coverages identical to your current policy. This helps ensure you will be getting a rate comparison based on identical coverages.

Final considerations

Cost effective car insurance can be purchased from both online companies and also from your neighborhood Orange agents, so you should compare both to get a complete price analysis. Some companies may not provide online quoting and usually these smaller companies provide coverage only through local independent agents.

While you're price shopping online, it's not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where an insured dropped liability limits or collision coverage only to find out they didn't purchase enough coverage. The proper strategy is to get the best coverage possible at the best price while not skimping on critical coverages.

We just showed you a lot of ways to get a better price on car insurance. The most important thing to understand is the more companies you get rates for, the better your comparison will be. Drivers may discover the most savings is with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than the large multi-state companies such as .