Proven Ways for Finding the Cheapest San Bernardino California Auto Insurance

People not familiar with comparison shopping online may find purchasing cheap San Bernardino auto insurance to be a formidable task.

It’s important to check auto insurance prices periodically due to the fact that insurance rates are constantly changing. Just because you found the lowest price a few years ago a different company probably has better rates today. Forget anything you know (or think you know) about auto insurance because you’re about to find out how to quote online to save money, get proper deductibles and limits, all at the lowest rate.

If you have car insurance now, you will most likely be able to reduce your rates substantially using these techniques. The purpose of this post is to introduce you to how to get online quotes and some tricks to saving. Although California car owners do need to understand how companies determine prices and apply this information to your search.

Don’t miss out on these money-saving discounts

Companies offering auto insurance do not advertise every discount very clearly, so here is a list both well-publicized and also the lesser-known savings tricks you should be using.

• Multi-policy Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
• Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of more than 20%.
• Federal Employees – Employees or retirees of the government can save as much as 8% with select insurance companies.
• Life Insurance – Larger companies have a discount if you purchase life insurance from them.
• Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy may reduce the rate for each vehicle.
• Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
• Memberships – Being a member of a qualifying organization is a good way to get lower rates when shopping for auto insurance.
• Early Switch Discount – Select companies give a discount for switching policies before your current policy expires. It’s a savings of about 10%.
• Defensive Driving Course – Taking a course in driver safety can save you 5% or more depending on where you live.

Keep in mind that most discounts do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. So even though they make it sound like all the discounts add up to a free policy, companies don’t profit that way.

For more California car insurance information

Even more information is available at the California Department of Insurance website. California drivers can find disaster information, read industry bulletins, discover disciplinary actions, and read state legal mandates and laws.

Do the work, save more money

We just covered some good ideas how you can get a better price on auto insurance. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on auto insurance is with a lesser-known regional company.

Budget-conscious auto insurance is available from both online companies in addition to many San Bernardino insurance agents, and you need to price shop both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and usually these regional insurance providers provide coverage only through local independent agents.

Consumers switch companies for many reasons like high rates after DUI convictions, delays in paying claims, lack of trust in their agent and poor customer service. Regardless of your reason for switching companies, choosing a new company is less work than it seems.