We don’t have to point out that fact that auto insurance companies don’t want their customers to go rate shopping. Drivers who shop around annually are inclined to move their business because of the high probability of finding lower prices. A survey found that people who routinely shopped around saved as much as $860 a year as compared to drivers who don’t regularly compare prices.
If finding the cheapest price for insurance is your target objective, then having a good understanding how to quote and compare car insurance can save time and money.
If you want to find the absolute lowest rates, then the best way to find the cheapest price for auto insurance rates is to compare prices annually from providers who provide car insurance in Irvine. You can shop around by completing these steps.
First, spend some time learning about how car insurance works and the changes you can make to prevent expensive coverage. Many rating criteria that result in higher prices like your driving record and a bad credit rating can be rectified by paying attention to minor details.
Second, get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can provide price quotes from multiple insurance companies.
Third, compare the new quotes to your existing rates and determine if cheaper G5 coverage is available in Irvine. If you find a lower rate and change companies, ensure there is no coverage lapse between policies.
Fourth, give proper notification to your current agent or company of your intention to cancel your current car insurance policy and submit the signed application along with the required initial payment to the new company. Immediately upon receiving it, place your new certificate of insurance with your registration paperwork.
A key point to remember is to use the same liability limits and deductibles on every quote request and and to look at as many different companies as possible. Doing this guarantees the most accurate price comparison and a thorough selection of prices.
You Can Change Your Insurance Prices
An important part of buying insurance is that you know some of the elements that aid in calculating the level of your policy premiums. When consumers understand what controls the rates you pay, this empowers consumers to make smart changes that could result in big savings. Many factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, but others are less obvious like your vehicle usage or how safe your car is.
Listed below are a partial list of the pieces that factor into your rate level.
Accidents hurt – Careful drivers pay lower auto insurance prices as compared to those with violations. Even one citation can boost insurance rates to the point where it’s not affordable. Drivers who get multiple violations such as DUI or willful reckless driving might be required by their state to prove financial responsibility with their state motor vehicle department in order to drive a vehicle legally.
Raising deductibles saves money – Deductibles for physical damage are how much you are required to spend if the claim is covered. Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims are collision with another vehicle, vandalism, and damage caused by road hazards. The more of the claim the insured is willing to pay, the less money you will pay for insurance.
Eliminate extra policy coverages – There are quite a few add-on coverages that may not really be needed if you don’t pay attention. Insurance for rental car coverage, better glass coverage, and motor club memberships are examples of these. These may sound like a good investment initially, but if they’re wasting money eliminate the coverages to reduce your premium.
City dwellers may pay more – Choosing to live in less populated areas of the country is a good thing when insuring your vehicles. Less people corresponds to lower accident rates. Residents of big cities have to deal with much more traffic and a longer drive to work. The longer drive time means higher likelihood of an accident.
Improve your credit score and save – Having a good credit history can be an important factor in calculating your insurance rates. Insureds that have high credit ratings tend to be better drivers and file fewer claims than drivers who have bad credit. If your credit score can be improved, you could save money insuring your Pontiac G5 if you improve your credit rating.
Cheaper insurance rates using alarm systems – Driving a car with a theft deterrent system can save you a little every year. Systems that thwart thieves like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.
Marriage discount – Having a significant other may save some money when buying insurance. It means you’re more responsible and statistics prove married drivers tend to have fewer serious accidents.
Affordable Irvine car insurance quotes with discounts
Car insurance is not cheap, but you might find some hidden discounts that many consumers don’t even know exist. A few discounts will be applied when you purchase, but once in a while a discount must be asked about prior to getting the savings.
- Include Life Insurance and Save – If the company offers life insurance, you could get a small discount if you purchase some life insurance in addition to your auto policy.
- Multiple Cars – Buying coverage for more than one vehicle with the same car insurance company can get a discount on all vehicles.
- ABS Braking Discount – Cars that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
- Driver Training Discounts – Completing a defensive driving course can save you 5% or more and also improve your driving technique.
- Telematics Discount – Policyholders that allow data collection to analyze where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise could possibly reduce rates if they are good drivers.
- Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
- Discount for Good Grades – A discount for being a good student may save as much as 25% on a Irvine car insurance quote. You can use this discount normally well after school through age 25.
- Discount for Low Mileage – Maintaining low annual mileage can qualify you for better rates on cars that stay parked.
You can save money using discounts, but some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy.
To see providers with discount rates in Irvine, click this link.
California car insurance company ratings
Choosing a highly-rated insurer can be rather challenging considering how many choices drivers have in California. The company ratings below could help you select which companies to look at comparing prices from.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Compare rates regularly to save
When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, an insured cut collision coverage and discovered at claim time that the few dollars in savings costed them thousands. Your focus should be to get the best coverage possible for the lowest price while not skimping on critical coverages.
Budget-friendly car insurance in Irvine can be purchased both online and from local agencies, and you need to price shop both to have the best chance of lowering rates. Some companies do not provide online price quotes and usually these regional insurance providers sell through local independent agents.
Throughout this article, we presented a lot of techniques to find cheaper Pontiac G5 insurance in Irvine. The key thing to remember is the more you quote Irvine car insurance, the better your chances of lowering your auto insurance rates. Consumers could even find that the best price on car insurance is with some of the smallest insurance companies. Some small companies may cover specific market segments cheaper compared to the large companies like State Farm or Progressive.
Other information
- Side Impact Crash Tests (iihs.org)
- Who Has Affordable Auto Insurance for a Ford F-150 in Irvine? (FAQ)
- How Much is Auto Insurance for Postal Workers in Irvine? (FAQ)
- Who Has Cheap Irvine Auto Insurance Quotes for a Nissan Rogue? (FAQ)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Child Safety Seats (Insurance Information Institute)
- Red Light Cameras (State Farm)
- Insurance losses by make and model (Insurance Institute for Highway Safety)