How to Know You're Wasting Money for Auto Insurance in Pomona

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Trust us when we tell you you are not the only one feeling buyer's remorse. Big companies like State Farm, Allstate, GEICO and Progressive all claim big savings with fancy advertisements and consumers find it hard to sift through the bull and take the time to shop coverage around.

It's important to get comparison quotes every six months since insurance rates are constantly changing. Even if you got the best deal on your last policy there is a good chance you can find better rates now. Starting now, block out anything you think you know about auto insurance because it's time to teach you the only way to save on auto insurance.

If you have a current auto insurance policy or need a new policy, you will benefit by learning to shop for the lowest rates while maximizing coverage. Finding affordable coverage in Pomona is not that difficult. New York consumers only need to know the most efficient way to compare prices over the internet.

Understand what determines the rate you pay

Consumers need to have an understanding of the rating factors that help determine auto insurance rates. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with big savings.

The following are some of the factors that factor into rates.

Teen drivers pay high rates - Older insureds are viewed as being more responsible, file fewer claims and are safer drivers. Teenage drivers are known to be more careless when behind the wheel and because of this, their auto insurance rates are much higher.
Do you know your deductibles? - Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are a windshield shattered by a rock, vandalism, or theft. Physical damage deductibles are how much you are required to spend before your auto insurance pays a claim. The more money the insured has to pay upfront, the less your auto insurance will be.
Proper usage rating affects rates - Driving more miles in a year the more you will pay for auto insurance. The majority of insurers price each vehicle's coverage based upon how you use the vehicle. Autos not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
More claims means more premium - Car insurance companies in New York give cheaper rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for the large, substantial claims.
Clean credit earns discounts - Credit history is a important factor in calculating your auto insurance rates. If your credit is not that good, you could save money insuring your by improving your credit score. Consumers who have high credit scores tend to be less risk to insure than drivers who have lower credit scores.
Being married can save on auto insurance - Being married can get you a discount on your auto insurance policy. It usually means you are more responsible and it's proven that being married results in fewer claims.

Comprehensive Pomona Auto Insurance Comparison

There are several ways to compare auto insurance prices but there is one way that is less time-consuming than others. You can spend your afternoon driving to insurance companies in Pomona, or you could save time and use online quoting to get rates in a matter of minutes.

Most of the larger companies participate in a marketplace that allows shoppers to send in one quote, and every company then gives them pricing based on the submitted data. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To submit your quote information now, click here to open in new window.

The only drawback to using this type of form is you can't choose which providers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we put together a list of auto insurance companies in New York. Click to view list.

It doesn't matter which method you choose, just ensure you are comparing exactly the same information for every company. If you enter higher or lower deductibles it's impossible to decipher which rate is best in Pomona.

How much can you save with discounts?

Companies do not advertise all their discounts in a way that's easy to find, so here is a list some of the best known as well as the least known ways to save on auto insurance. If you aren't receiving every discount possible, you are paying more than you should be.

Senior Discount - If you're over the age of 55, you may be able to get a discount up to 10%.
Multiple Vehicles - Buying insurance for multiple vehicles with the same company may reduce the rate for each vehicle.
New Vehicle Savings - Buying coverage on a new vehicle can cost up to 25% less due to better safety requirements for new cars.
Drivers Ed for Students - Cut your cost by having your teen driver complete a driver education course if it's offered in school.
Federal Government Employee - Employees or retirees of the government may qualify you for a discount with select insurance companies.
Payment Method - If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
Auto/Life Discount - Companies who offer life insurance give better rates if you take out auto and life insurance together.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. Most only cut individual premiums such as liability, collision or medical payments. Just because you may think having all the discounts means you get insurance for free, you won't be that lucky.

To choose companies who offer auto insurance discounts in Pomona, click this link.

Save 15 percent in 15 minutes? Is it for real?

New York drivers can't ignore all the ads that promise big savings from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to make the same claim about savings after switching your policy.

How can each company say the same thing?

All the different companies are able to cherry pick for the right customer that makes them money. An example of a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and has great credit. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save when they switch companies.

Potential insureds who don't meet the requirements will have to pay more money which leads to business not being written. The ad wording is "customers that switch" but not "drivers who get quotes" save that kind of money. That's the way companies can truthfully advertise the savings. Because of the profiling, you need to compare many company's rates. It's not possible to predict which auto insurance company will fit your personal profile best.

Even more information is available at the New York Department of Financial Services website. New York drivers can read enforcement actions against agents and companies, report car insurance fraud, file complaints about an insurance agent or broker, and download brochures.

In the end, you save

When you buy insurance online, it's not a good idea to reduce coverage to reduce premium. There are many occasions where someone sacrificed comprehensive coverage or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to purchase a proper amount of coverage at a price you can afford.

The cheapest auto insurance can be purchased on the web in addition to many Pomona insurance agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who do not provide online price quotes and most of the time these smaller companies sell through independent agents.