8 Tips to Save on Car Insurance in San Diego

Are you tired of scraping the payment together each month for car insurance? You are no different than many other drivers in Texas. Lots of contend to insure your vehicles, so it's not easy to compare every to discover the definitive lowest price

It's important to compare rates once or twice a year since rates are constantly changing. Despite the fact that you may have had the best deal a few years ago you will most likely find a better rate today. So forget all the misinformation about car insurance because we're going to show you the only way to properly buy coverages and cut your premium.

If you have a current car insurance policy or are shopping for new coverage, you can learn to find better prices while maintaining coverages. Finding affordable coverage in San Diego is quite easy. Texas drivers only need an understanding of the most efficient way to compare company rates over the internet.

Be sure to get all your discounts

Companies offering auto insurance don't always advertise all their discounts in an easy-to-find place, so here is a list both the well known as well as the least known discounts you could be receiving. If they aren't giving you every credit available, you are throwing money away.

  • Homeowners Pay Less - Owning a house in San Diego can save you money due to the fact that maintaining a home requires personal responsibility.
  • Payment Method - By paying your policy upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Senior Citizens - If you qualify as a senior citizen, you may be able to get better car insurance rates.
  • Multiple Vehicles - Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Life Insurance Discount - Larger companies have lower rates if you buy auto and life insurance together.
  • Drive Less and Save - Fewer annual miles can qualify you for a substantially lower rate.
  • Sign Online - A handful of insurance companies may give you up to $50 simply for signing on their website.
  • Passive Restraint Discount - Factory air bags can get savings of up to 25% or more.

It's important to understand that some credits don't apply to the entire cost. Some only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all those discounts means the company will pay you, it doesn't quite work that way.

Is there truth in advertising?

Consumers in Texas get pounded daily by advertisements for the lowest price auto insurance by State Farm, GEICO and Progressive. They all seem to have a common claim of big savings after switching to their company.

How do they all claim to save you money?

All the different companies can use profiling for the driver that earns them a profit. An example of a desirable insured might be between the ages of 30 and 50, has no tickets, and has a short commute. Any new insured that hits that "sweet spot" will qualify for the lowest rates and is almost guaranteed to cut their rates substantially.

Consumers who don't measure up to the "perfect" profile will have to pay higher prices and this can result in the customer not buying. The ad wording is "customers that switch" but not "drivers who get quotes" save that much. That's why insurance companies can confidently make the claims of big savings. Because of the profiling, you should get as many quotes as possible. It's just too difficult to predict the company that will fit your personal profile best.

More Texas car insurance information

More tips and info about car insurance is available at the Texas Department of Insurance website. Visitors are able to get help finding coverage, view a list of available companies, read enforcement actions against agents and companies, and report car insurance fraud.

compare San Diego car insurance rates

And the best car insurance company is...

Low-cost car insurance can be bought both online and also from your neighborhood San Diego agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you shop your coverage around, never buy lower coverage limits just to save a few bucks. In many cases, an insured dropped comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at a price you can afford.