Lowest Auto Insurance Exclusively for Anaheim, CA Residents

No one in their right mind looks forward to paying for auto insurance, especially knowing the price is too high. Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider and uncover the absolute best rates possible.

You need to compare prices on a regular basis because insurance rates are constantly changing. If you had the best price six months ago there is a good chance you can find better rates now. Forget all the misinformation about auto insurance because we’re going to demonstrate the right way to properly buy coverages while reducing your premium.

Comprehensive Auto Insurance Comparison in Anaheim, California

Effectively comparing auto insurance prices can be exhausting if you aren’t aware of the most efficient way. You could waste time talking to insurance agencies in Anaheim, or you could save time and use the internet to quickly compare rates.

Many popular insurance companies belong to a marketplace where insurance shoppers submit one quote, and at least one company provides a quote. This eliminates the need for quotation requests to each individual auto insurance company.

To compare rates now click here to start a free quote.

The only drawback to pricing coverage this way is you don’t know exactly which carriers to get pricing from. So if you want to select specific insurance companies to compare rates, we put together a list of the cheapest auto insurance companies in California. Click here for list of insurance companies in California.save money image

It’s your choice how you get your quotes, but double check that you are using exactly the same coverages for each price quote. If you have higher or lower deductibles then you won’t be able to determine the lowest rate in Anaheim.

Pay less by taking advantage of discounts

Auto insurance companies don’t necessarily list every available discount very clearly, so we break down some of the more common and the more hidden ways to save on auto insurance. If you’re not getting every credit you deserve, you’re paying more than you need to.

  • Use Seat Belts – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy prior to your current policy expiration. The savings is around 10%.
  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Safety Course Discount – Successfully completing a course in driver safety can save you 5% or more depending on where you live.
  • Auto/Life Discount – Larger companies have a break if you buy a life insurance policy as well.
  • Homeowners Savings – Being a homeowner can help you save on auto insurance due to the fact that maintaining a home is proof that your finances are in order.

Consumers should know that most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

Good Decisions Result in Lower Rates

An important part of buying insurance is that you know some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what controls the rates you pay empowers consumers to make smart changes that could result in big savings.

  • Higher deductibles cost less – Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. Some instances where coverage would apply could be colliding with a building, collision with an animal, and windstorm damage. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before your auto insurance pays a claim. The more you are required to pay out-of-pocket, the less your company will charge you for insurance.
  • Better credit scores mean better rates – Your credit score is a big factor in determining what you pay for auto insurance. So if your credit score is lower than you’d like, you could pay less to insure your by improving your credit score. Consumers who have good credit tend to be less risk to insure than drivers who have poor credit.
  • Where you live is a factor – Living in less populated areas has it’s advantages when talking about auto insurance. Less people living in that area means a lower chance of having an accident. Urban drivers have congested traffic and longer commute times. More time commuting can result in more accidents.
  • Safer cars cost less to insure – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates.
  • Mature drivers pay less – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel. Teenage drivers are statistically proven to be careless and easily distracted in a vehicle therefore auto insurance rates are much higher.
  • Are you male or female? – Statistics show that women are safer drivers than men. However, don’t assume that women are better drivers. They both have accidents at about the same rate, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like reckless driving and DUI.
  • How many coverages with the same company – Some insurers will award you with lower prices to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. If you currently are using one company, you still need to comparison shop to verify if the discount is saving money.
  • More performance means more cost – The make and model of the vehicle you own makes a huge difference in determining your rates. Small economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.

Your coverage should be tailored to you

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique so your insurance should reflect that For example, these questions may help you determine if you would benefit from an agent’s advice.

  • Is a new car covered when I drive it off the dealer lot?
  • Why is insurance for a teen driver so high in Anaheim?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is rental equipment covered for theft or damage?
  • Will my rates increase for filing one claim?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when pulling a rental trailer?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

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More detailed California auto insurance information is available at the California Department of Insurance website. California drivers can view agent and company licensing information, find out which companies have the most complaints, learn about insurance regulations, and find disaster information.

Compare but don’t skimp

Affordable auto insurance is definitely available online and also from your neighborhood Anaheim agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance providers may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We covered a lot of tips how to save on auto insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Drivers may discover the best prices are with the smaller companies. Smaller companies may have significantly lower rates on certain market segments than the large multi-state companies such as State Farm or Progressive.