Lowest Car Insurance Exclusively for Garden Grove California Residents

I can’t think of a single person who likes paying for car insurance, especially knowing they are paying too much.

You have so many auto insurance companies to purchase coverage from, and although it’s a good thing to be able to choose, having more insurance companies makes it harder to compare rates and find the lowest cost car insurance.

Lower the Price of Insurance with These Tips

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. When you know what positively or negatively determines base rates enables informed choices that could result in lower car insurance prices.

  • Where you live is a factor – Being located in a small town can save you money when buying car insurance. Fewer people means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers who live in large California cities tend to have traffic congestion and longer commute times. Longer commute distances means more change of being in an accident.
  • Always keep insurance in force – Allowing your coverage to lapse is a quick way to bump up your car insurance costs. And not only will your rates increase, but being ticketed for driving with no insurance may earn you a license revocation or jail time.You may need to file a SR-22 with the California DMV.
  • More than one policy can earn a discount – Many insurance companies give discounts to policyholders who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to 10 percent or more. If you currently are using one company, you may still want to shop around to ensure the best deal.
  • Performance influences rates – The performance level of the car you are insuring makes a huge difference in determining your rates. The lowest rates tend to be for low performance passenger cars, but the cost you end up paying is determined by many additional factors.
  • Tickets mean higher rates – Careful drivers get better rates than people who have multiple driving citations. Only having one speeding ticket can boost insurance rates by as much as thirty percent. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form to the state department of motor vehicles in order to drive a vehicle legally.

Quick Garden Grove Car Insurance Quotes

There are several ways to compare quotes from car insurance companies in your area. The best method to find the lowest rates is simply to get online rate quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form (click to open form in new window). This type of form keeps you from doing separate quotes for each company. Completing one form gets you price quotes from all major companies.
  2. A harder way to shop for car insurance online is to take the time to go to each company website to complete their respective quote request forms. For instance, we’ll assume you want rates from USAA, Progressive and GEICO. To get rate quotes you would need to visit each site and enter your policy data, which is why the first method is more popular.

    To view a list of companies in Garden Grove, click here.

  3. The least efficient method of getting rate comparisons is to spend time driving to insurance agents’ offices. The internet has reduced the need for local agents unless you require the personal advice that only a license agent can provide. Drivers can compare the best prices online but buy from a local insurance agent and we’ll cover that in a bit.

It’s your choice how you get your quotes, but make sure you use apples-to-apples coverage limits and deductibles with every price quote. If you have different deductibles it’s impossible to make a fair comparison in Garden Grove. Having just a slight variation in coverage limits can make a big difference in price. Just remember that more quotes helps locate a lower rate.

Don’t pay full price with these discounts

Companies that sell car insurance do not list every available discount in a way that’s easy to find, so we took the time to find both the well known and also the lesser-known ways to save on car insurance.

  • Payment Discounts – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Theft Prevention System – Anti-theft and alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for a discount up to 10%.
  • Military Discounts – Being deployed with a military unit could mean lower rates.
  • Homeowners Savings – Owning a house in Garden Grove may earn you a small savings because owning a home requires personal responsibility.

It’s important to note that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like comp or med pay. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way.

What happened to insurance agents?

Some consumers would prefer to talk to a local agent and there is nothing wrong with that. The biggest benefit of price shopping on the web is that you can obtain better rates and still choose a local agent.

Upon completion of this short form, the coverage information gets sent to local insurance agents who will compete for your coverage. There is no need to leave your computer due to the fact that quote results will go directly to your email. It doesn’t get any easier! You can find better rates AND an agent nearby.California insurance quotes

Choosing an provider should depend on more than just the premium amount. These questions are important to ask:

  • How often do they review policy coverages?
  • Is working in the agency their full-time job?
  • Which company do they place the most coverage with?
  • If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
  • Do they regularly work with personal auto policies?

Captive and independent Garden Grove car insurance agents

If you’re trying to find a good insurance agency, there are a couple of types of agencies to choose from. Agents are classified as either captive or independent (non-captive).

Captive Agents

These agents have only one company to place business with and some examples include American Family, Liberty Mutual and AAA. They are unable to compare other company’s rates so it’s a take it or leave it situation. Captive agencies are well schooled on the products they sell and that can be a competitive advantage.

Shown below is a list of captive agencies in Garden Grove that are able to give rate quotes.

State Farm Insurance – 9700 Chapman Ave – Garden Grove, CA 92841 – (714) 530-7567
Farmers Insurance Group – 9828 Garden Grove Blvd # 207 – Garden Grove, CA 92844 – (714) 534-5544
Allstate Insurance – 7645 Garden Grove Blvd – Garden Grove, CA 92841 – (714) 373-6883

Independent Agencies or Brokers

These agents are not employed by any specific company but instead can place your coverage with multiple insurance 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 don’t have to find a new agent.

When comparing rates, it’s recommended you contact at least one independent agent for the best price selection.

The following are independent insurance agents in Garden Grove who can help you get rate quotes.

Arca Insurance and Svc – 11032 Magnolia St – Garden Grove, CA 92841 – (714) 995-7730
C B Insurance Svc – 13080 Brookhurst St – Garden Grove, CA 92843 – (714) 530-7876

California insurance quotes

To view a full list of licensed insurance agents in Garden Grove, visit this link.

After getting good answers to your questions and locked in a price quote, chances are good that you have found an auto insurance agent that will service your policy.

More detailed California car insurance information is located at the California Department of Insurance website. California consumers can file complaints about an insurance agent or broker, read state legal mandates and laws, and read enforcement actions against agents and companies.

More related Garden Grove car insurance information:

One last thing about your coverage

Discount car insurance is possible both online in addition to many Garden Grove insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

As you go through the steps to switch your coverage, do not reduce coverage to reduce premium. In many instances, an insured cut liability coverage limits and discovered at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at a price you can afford, not the least amount of coverage.