If you’re new to shopping for car insurance online, it’s easy to get confused by the hoards of online companies offering coverage in Santa Clarita.
It’s important to price shop coverage on a regular basis since insurance rates are adjusted regularly by insurance companies. Despite the fact that you may have had the best rates on your last policy there is a good chance you can find better rates now. Ignore everything you know about car insurance because you’re about to find out the tricks you need to know to find the best coverage while lowering your premiums.
If you are insured now or need a new policy, you can use these techniques to find better prices and possibly find even better coverage. Finding more affordable car insurance in Santa Clarita is simple if you know the tricks. California drivers just need to learn the most efficient way to shop their coverage around on the web.
Smart consumers have a good feel for some of the elements that come into play when calculating the rates you pay for car insurance. When you know what positively or negatively determines base rates helps enable you to make changes that may reward you with lower car insurance prices.
Car insurance companies do not advertise all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known car insurance savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.
It’s important to understand that most discounts do not apply to the entire policy premium. Most only cut specific coverage prices like comp or med pay. So when the math indicates you could get a free car insurance policy, you’re out of luck.
Some consumers would prefer to talk to a local agent and there is nothing wrong with that. Insurance agents are trained to spot inefficiencies and help in the event of a claim. One of the great benefits of comparing rates online is that you can obtain lower rates but still work with a licensed agent.
For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to participating agents in Santa Clarita who will give you bids to get your business. You don’t have to even leave your home because quoted prices will be sent immediately to your email address. How cool is that?!
Selecting an provider needs to be determined by more than just the price. Agents should be asked these questions:
When searching for a good Santa Clarita insurance agent, there are a couple of types of insurance agents from which to choose. Agencies in Santa Clarita can either be captive or independent (non-captive). Both do a good job, but it’s worth learning the difference between them because it can influence buying decisions.
Captive agents can only write with one company and some examples include Allstate, Farmers Insurance, State Farm and AAA. They are unable to give you multiple price quotes so always compare other rates. Captive agents are well schooled on the products they sell which helps them compete with independent agents. Some people will only buy from captive agents mainly due to high brand loyalty and the convenience of having all coverages with one company.
Listed below is a short list of captive agents in Santa Clarita who may provide you with comparison quotes.
These agents are not locked into one company but instead can place your coverage with multiple insurance companies and potentially find a lower price. If your agent finds better pricing, they simply move the coverage in-house and you don’t have to find a new agent.
When comparison shopping, we recommend you contact multiple independent agents for maximum quote selection. Most have the option of insuring with smaller regional carriers which can save you money.
Below is a list of independent insurance agents in Santa Clarita who can help you get comparison quotes.
For a complete listing of Santa Clarita insurance agents, please click here.
After receiving positive feedback to all your questions and a low price estimate, you have narrowed it down to a car insurance agent that will insure your vehicles.
Even more information is available at the California Department of Insurance website. California drivers can discover disciplinary actions, learn about specific coverages, find out industry alerts, and read enforcement actions against agents and companies.
The following articles may also be useful.
You just learned a lot of ways to lower your car insurance rates. The most important thing to understand is the more times you quote, the higher your chance of finding lower rates. Consumers may even find the most savings is with a lesser-known regional company.
When you buy insurance online, never reduce coverage to reduce premium. In many cases, someone sacrificed comprehensive coverage or liability limits to discover at claim time that it was a big mistake. Your aim should be to get the best coverage possible at the best price, not the least amount of coverage.
Lower-priced car insurance is definitely available from both online companies as well as from independent agents in Santa Clarita, and you need to comparison shop both to get a complete price analysis. Some companies don’t offer you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.