Monthly Archives: May 2016

How to Get a Discount on Auto Insurance Coverage

Q: I recently relocated to San Diego, CA for work and was wondering if there was any way that I could get a discount on auto insurance in California? Coming from Pennsylvania, the premium increases really caught me off guard and I would really like to keep my costs down. Thanks.

A: Thanks for your question, and congratulations on your new home in CA. While there are several ways to get discounts on your auto insurance in California, I am going to touch on one in this brief article.

Most large insurance companies offer policy discounts to preferred customers, or customers who have multiple policies with them. Do you rent an apartment or are you a home owner? Adding a renters insurance policy or homeowners insurance to your auto coverage should get you a discount on your car insurance premiums.

Now, this is not always the case so it is best to ask your agent or the company direct. However, most insurance providers will offer this type of discount.

Hopefully this tip will help out when it comes to saving money on your auto insurance in California.

Lastly, we encourage you to take a few minutes to compare car insurance quotes online from different companies. Comparison shopping is an extremely effective way to not only save money on coverage, but wind up with a higher quality policy as well. Many drivers skip over this all-important step when it comes to shopping for automotive coverage, and they end up overpaying for their policies as a result.

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Auto Insurance Tips For the Smart Shopper

When most people purchase auto insurance they will often overlook the conditions and coverage of their auto insurance. This can lead to a very bad situation if you end up in an accident and only then find out that your insurance doesn’t cover you the way you expected. This can potentially leave you out of pocket or without your vehicle.

Here are a few tips that can help you to avoid a bad situation:

  1. Read the product disclosure statement, this will tell you exactly what is covered and under what circumstances you are not covered.
  2. Choose the right cover for ALL drivers. Don’t choose to exclude inexperienced drivers to get a discount if an inexperienced driver only drives your vehicle sometimes. An accident can happen anytime.
  3. Only pay for what you need. There’s no point in paying for options such as a hire car if you only drive your vehicle on the weekend and have other means for getting around during the week.
  4. Don’t make small claims for incidents such as a scratch or dent on the bumper of your vehicle. Your auto insurance will often increase and the yearly increase may well be higher than the cost to simply pay for the repairs yourself.
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