Is Your Fresno, CA Car Insurance Too High? Here is How to Save Money

Cutting costs on Fresno car insurance can be a challenge for people who are new to comparison shopping online. There are so many options that it can easily become a lot of work to locate the lowest price in Fresno.

You should make it a habit to take a look at other company’s rates occasionally since rates are variable and change quite frequently. Despite the fact that you may have had the lowest price a few years ago a different company probably has better rates today. Block out anything you think you know about car insurance because I’m going to let you in on the secrets to how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

Don’t overlook these discounts

Companies that sell car insurance do not advertise all their discounts very clearly, so we break down some of the best known and also the lesser-known ways to save on car insurance.

  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Drive Safe and Save – Insureds without accidents may receive a discount up to 45% less than drivers with accidents.
  • Drivers Ed for Students – Have your child complete a driver education course in school.
  • More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Claim Free – Good drivers with no accidents can earn big discounts compared to frequent claim filers.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts can get savings up to 30%.
  • New Car Discount – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Homeowners Discount – Being a homeowner may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.

Consumers should know that many deductions do not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts in Fresno, click here.

Compare Fresno Car Insurance Costs

There are several ways of comparing rate quotes from different in Fresnoinsurance companies. One of the best ways to find competitive insurance rates is to perform an online rate comparison. This can be accomplished in several different ways.

  1. The most efficient way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form keeps you from doing multiple quote forms for every car insurance company. A single, simple form will get you price quotes instantly. Just one form and you’re done.
  2. A different way to get comparison quotes consists of going to each individual company website and fill out their own quote form. For instance, let’s assume you want comparison quotes from State Farm, Esurance and Liberty Mutual. You would have to visit each site and enter your policy data, which is why the first method is more popular.

    For a list of links to companies insuring cars in Fresno, click here.

  3. The least efficient method to get comparison rates is to spend your day driving to insurance agents’ offices. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a local Fresno agent. It is possible to comparison shop online but buy from a local insurance agent.

Whichever way you use, make darn sure you compare identical deductibles and coverage limits for each comparison quote. If your comparisons have differing limits you can’t possibly make an equal comparison in Fresno. Having just a slight variation in limits may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes will enable you to find the best offered rates.

And the best car insurance company is…

When you buy insurance online, you should never skimp on critical coverages to save a buck or two. There are too many instances where an accident victim reduced full coverage only to regret that they should have had better coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

auto insurance image

People leave their current company for any number of reasons including delays in paying claims, poor customer service, policy cancellation or denial of a claim. Regardless of your reason for switching companies, finding the right car insurance provider is actually quite simple.

In this article, we presented many ways to lower your car insurance rates. The key concept to understand is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the lowest premiums are with the least-expected company.