Follow These Ultimate Tips for Saving Money on Huntington Beach California Car Insurance

Are you intimidated by the crazy number of car insurance options in Huntington Beach? You’re not the only one! There are so many choices that it can turn into a ton of work to find the best price.

Consumers need to take a look at other company’s rates every six months due to the fact that insurance rates are adjusted regularly by insurance companies. Even if you think you had the best rates a year ago you can probably find a better price now. There is too much inaccurate information about car insurance on the web, but by reading this article, you’re going to learn some excellent ideas to put money back in your pocket.

How much can you save with discounts?

The price of auto insurance can be rather high, buy you may qualify for discounts that you may not know about. A few discounts will automatically apply when you quote, but less common discounts must be asked for before being credited.

  • Multi-policy Discount – When you have multiple policies with the same company you could get a discount of approximately 10% to 15%.
  • Multiple Cars – Insuring all your vehicles on one policy may reduce the rate for each vehicle.
  • Employee of Federal Government – Being employed by or retired from a federal job can earn a discount up to 10% depending on your company.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less than drivers with accidents.
  • Service Members Pay Less – Being deployed with a military unit can result in better rates.
  • Early Signing – Select companies give a discount for switching to them prior to your current policy expiring. This can save 10% or more.
  • Seat Belts Save – Buckling up and requiring all passengers to use a seat belt could cut 10% or more off the personal injury premium cost.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a small decrease in premiums.
  • Paperless Signup – Certain companies will discount your bill up to fifty bucks for buying your policy over the internet.

It’s important to understand that many deductions do not apply to the entire cost. Some only reduce the price of certain insurance coverages like comprehensive or collision. So when it seems like all those discounts means the company will pay you, it just doesn’t work that way. But any discount will bring down your overall premium however.

What coverages do I need?

When choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every insured’s situation is different.

For example, these questions might help in determining if your situation might need an agent’s assistance.

  • What vehicles should carry emergency assistance coverage?
  • Why does it cost so much to insure a teen driver in Huntington Beach?
  • Does my personal policy cover me when driving my company car?
  • Is my babysitter covered when using my vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need to file an SR-22 for a DUI in California?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Local Huntington Beach agents and car insurance

Certain consumers prefer to talk to a local agent. The biggest benefit of getting online price quotes is you may find better rates and still choose a local agent. Buying from local agencies is especially important in Huntington Beach.

After completing this quick form, your insurance data is transmitted to local insurance agents in Huntington Beach who will give you bids for your business. You never need to leave your computer due to the fact that quote results will go to your email. How’s that for easy! You can find the lowest rates and an insurance agent to talk to.California insurance ad

Huntington Beach insurance agents are either independent or captive

If you’re trying to find a reputable insurance agent or broker, you must know there are a couple different agency structures that differ in how they can insure your vehicles. Insurance agencies in Huntington Beach are either independent or captive.

Independent Agencies or Brokers

Independent agents are not locked into one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If you are not satisfied with one company, the agent simply finds a different carrier and you won’t have to switch agencies. When comparing rates, it’s a good idea to get quotes from multiple independent agents to ensure the widest selection of prices. Many write coverage with smaller regional carriers who may have lower rates.

Listed below are independent insurance agencies in Huntington Beach that can give you price quotes.

  • Farmers Agency Huntington – 16033 Bolsa Chica St # 102 – Huntington Beach, CA 92649 – (714) 840-0445
  • First West Insurance – 16742 Gothard St # 217 – Huntington Beach, CA 92647 – (714) 842-2523
  • Accurate Insurance and Mortgage – 19671 Beach Blvd – Huntington Beach, CA 92648 – (714) 960-1016
Agency Captives

Captive agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. They usually cannot give you multiple price quotes so they have to upsell other benefits. They are very knowledgeable on their company’s products and that can be a competitive advantage. Some people will only buy insurance from these agents mostly because of the brand legacy and solid financial strength.

Shown below is a short list of captive insurance agents in Huntington Beach who can help you get comparison quotes.

  • Farmers Insurance Group – 1120 Pacific Coast Hwy # E – Huntington Beach, CA 92648 – (714) 374-0355
  • Allstate Insurance – 9023 Adams Ave – Huntington Beach, CA 92646 – (714) 962-3391

For a full directory of Huntington Beach captive insurance agents, simply jump to this page.

Picking an insurance agency should depend on more than just the price. Ask your prospective agent these questions:

  • Does the company allow you to choose your own collision repair facility?
  • If you have an accident, will your rates go up?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • If your car is in the repair shop, do you have coverage for a rental car?
  • If your car is totalled, how to they determine the replacement cost?

Once you have received satisfactory answers to all your questions and an acceptable price quote, most likely you have located an insurance agent that is a good match to properly service your car insurance policy.

Additional reading for car insurance information

More information is available on the California Department of Insurance website found here. Visitors are able to read industry bulletins, find out industry alerts, and view a list of available companies.

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The articles below may also help you learn more about car insurance in Huntington Beach

Affordable insurance is out there

When buying insurance coverage, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage only to discover later that it was a big mistake. The proper strategy is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

We just presented a lot of ways to shop for car insurance online. It’s most important to understand that the more price quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a smaller regional carrier.

Insureds leave their current company for a number of reasons such as extreme rates for teen drivers, denial of a claim, an unsatisfactory settlement offer or being labeled a high risk driver. Whatever your reason, finding a great new company can be easy and end up saving you some money.