Car Insurance Prices Online - How to save in California

Car insurance pricesonlineHow to save in CaliforniaBy Craig Casey4CarInsuranceQuotes.com

Calculate how much• You’ll need to figure out if you need comprehensive, collision, or liability only insurance.• Carriers will not pay more than the limits.• If your insurance is more than 10% of your cars value, it’s too high.4CarInsuranceQuotes.com

Compare, compare & compare • Carriers have different rates and different ideal customers. Shop companies on my website4CarInsuranceQuotes.com

Be truthful• Lying to the car insurer will only cause rate ups (very soon).• Honesty will save you a lot of time.• The carrier may not even cover you if you have an accident and made misstatements on your app.4CarInsuranceQuotes.com

Not all carriers are equal• Every carrier has a different drivers they want to attract.• Discounts vary greatly.• Some carriers do not offer SR22 policies in California (high risk).4CarInsuranceQuotes.com

Use the CA Department Website• Gives you rough estimates based on surveys.• Can narrow down your shopping.• Rates are based on what they carriers tell the Department.• Inaccurate since they don’t consider your car, model or year.4CarInsuranceQuotes.com

Make brokers work for you• Don’t contact more than 1-2 brokers.• They all have agreements with the same carriers.• You want to get rates from direct writers who don’t go through agents.4CarInsuranceQuotes.com

Get quotes direct• Use our site to get rates from direct writers.• You may talk to a different employee every time.• Usually available 24/7.4CarInsuranceQuotes.com

Comparing carriers• Use our site to get rates from direct writers.• A company that pays actual cash value will be cheaper one that pays replacement costs.• Some quote you 6 month premiums and others a 12 month premium. Can be tricky.4CarInsuranceQuotes.com

Switching companies• Adjust your policy limits.• Comparison shop policies with the same level of coverage.• Shop around renewal time.• Talk to your local body shop or car dealer and ask about a carrier’s claims payment.• You’ll lose your 20% safe driver discount for 3 years.4CarInsuranceQuotes.com

High risk drivers• You’ve had tickets or accidents within the last 3 years• DUIs within the last 10 years.• Many carriers don’t want you.• Substandard carriers will fight for your business, since premiums are much higher.• Don’t expect preferred rates.4CarInsuranceQuotes.com

Need it now?• Some carriers will not give you coverage until underwriting you.• Go with a carrier that offers “online binding” if you need coverage now.• Beware of “retroactive rateups” if the carrier finds problems with your record4CarInsuranceQuotes.com

About me• Husband, dad, gonzo writer and insurance medicine man.4CarInsuranceQuotes.com

Connect• Craig Casey on Google• info@4carinsurancequotes.com• Youtube.com/4carinsurancequotes• Facebook.com/4carinsurancequotes• Get car insurance quotes on my website below! 4CarInsuranceQuotes.com

Car Insurance Prices Online - How to save in California

by Craig J. Casey on Oct 21, 2011

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Car Insurance Prices Online - How to save in California — Presentation Transcript