Cheap Car Insurance

Shopping for auto insurance is a necessity today, and looking for cheap car insurance almost sounds like an oxymoron. But it is possible to find cheap auto insurance from reputable insurance companies as long as you know what questions to ask first. Being smart is always going to get you on the best road to finding quality, cheap car insurance.

First question to ask in order to find cheap car insurance is, What do I want from my car insurance? Do your research and determine what you want and what you need. Make a list of coverages in order of what you need down to the frills of what you want. This way, when you shop around for cheap car insurance, you can see exactly how much insurance you can afford, but you also know exactly what you can live with and live without.

Second question to ask yourself when looking for your cheap car insurance is, What is my budget? Determine how much you can afford to spend each month/quarter/year on car insurance. As you get quotes for cheap car insurance, you will know exactly what you can afford.

Third, do your research into the companies from which you are getting cheap car insurance quotes. Ask yourself if they are reputable. There are two easy ways to determine if a cheap car insurance quote is coming from a reliable company. Ask friends/family and check ratings. You may be looking for cheap car insurance, but do not sacrifice reliability for a few dollars.

Fourth, ask yourself what you can do to make yourself a better candidate for cheap car insurance. How can you save money? First look at the things that can take you for being eligible for cheap car insurance to making it more expensive. Are you accident free? How is your credit rating? What neighborhood do you live in? Do you drive for work? How far do you drive? What do you do for a living? All these things go into determining if you can get cheap car insurance or if you will have to pay more. Try to change all the things you can, especially becoming a safer driver and improving your credit rating, in order to get the best cheap car insurance available.

Once you have your cheap car insurance quotes in front of you, then determine which company will work best for you. This is where ratings are important, and so are recommendations and other research. Take your time to determine which cheap car insurance quote you are going to purchase. Find out which company will do the most to service your needs with the best customer service for the least money.

Cheap car insurance doesn't mean skimping on insurance. You can find great deals out there for less money just by doing your research and understanding insurance will help you find cheap car insurance that is also good car insurance. Use our "free quote box" above and let us do the work. We compare major insurance companies in your area free of charge.

GARAGE PARKING DISCOUNT

Most vehicles stored or parked at least four days a week in a locked garage, secured underground parking or other locked storage area, may qualify for a discount of up to 8.5% on the premium for Comprehensive Coverage. When you first insure a vehicle, we will ask you if it is garaged. Please notify your insurance company of any future changes.

AIR BAG DISCOUNT

Most vehicles equipped with one or more air bags qualify for a discount of up to 8.5% on Medical Payments and Uninsured motorist Bodily Injury Coverage. When you first insure a vehicle, we will ask you about air bags. The discount amount is the same regardless of the number of air bags in the vehicle.

ANTI-THEFT DEVICE DISCOUNT

Most types of vehicles equipped with permanently installed select anti-theft devices (i.e., burglar alarms or fuel/ignition shut-off devices) may qualify for a discount of up to 9% on Comprehensive Coverage. Some electronic vehicle locators (such as LoJack) may qualify for a discount of up to 18% for Comprehensive Coverage. If a vehicle is equipped with more than one qualifying device, this discount will apply only one and will be based on the device eligible for the higher discount. When you first insure a vehicle, we will ask you about anti-theft devices.

MATURE DRIVER DISCOUNT

Drivers age 55 or over who successfully complete a Mature Driver Improvement Course approved by the California department of Motor Vehicles during the past three years may be eligible for a discount of up to 1.8% on all lines of coverage cared on the vehicle(s) they primarily operate. To obtain the discount, drivers must furnish us with a completion certificate from an approved course provider. The Automobile Club of Southern California offers a mature Driver Course as one of its many member services.

GOOD STUDENT DISCOUNT

Full-time high school, college or university students (minimum of 12 units per term) will less than nine years of driving experience who have attained a current or cumulative grade point average (GPA) of at least 3.0 are eligible for a discount of up to 16% on all lines of coverage carried on the vehicles(s) on which they are rated as primary or additional drivers. Current GPA takes into account only coursework completed in the most recent academic term; cumulative GPA takes into account all coursework completed at the student's current academic institution. Acceptable certification of full0time student status and grade point average must be submitted to us to obtain the discount. Recertification is required each year before policy renewal.

MULTI-VEHICLE DISCOUNT

For most policies covering two or more qualifying vehicles insured for Bodily Injury Coverage, a discount of up to 25% will automatically apply to all lines of coverage on qualifying vehicles. Qualifying vehicles include private passenger autos, SUV's, most pick-ups and vans, motor homes and dune buggies. (The actual discount percentage will vary by coverage and ratio of vehicles to drivers.) The following vehicles do not qualify for the Multi-Vehicle Discount: trailers, motorcycles (and other two-wheeled vehicles), golf carts, snowmobiles, and antique cars (not including classic cars).

CLAIMS COST REDUCTION DISCOUNT

When the named insured (or resident spouse) completes our Claims Cost Reduction Course, a discount of up to 1.8% will be applied to Bodily Injury Liability, Property Damage Liability and Uninsured Motorist Coverage premiums on all qualifying insured vehicles. This course is available in an easy-to-read guide and on our web site at www.aaa-calif.com/insurance/auto. The guide includes useful information about what to do in the event of an accident. What you learn will help expedite the settlement of a future claim and will also help you protect your financial and legal interests.
If you do not already have this discount, please complete, sign and return the Claims Cost Reduction Course quiz. You can request an additional incentive when you apply for this discount through our web site.