Costing Too Much for Car Insurance in Modesto, CA? Here’s How to Save!

Are you overwhelmed by the number of car insurance options in Modesto? You have a lot of company. There are so many options that it can quickly become a challenge to find lower rates.

Smart consumers take time to shop coverage around every six months because rates are variable and change quite frequently. Just because you found the best price a few years ago there is a good chance you can find better rates now. You can find a lot of wrong information about car insurance on the web, but by reading this article, you’re going to learn some tested techniques to reduce your car insurance bill.

Companies offer discounts so take them!

Insuring your vehicles can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be applied when you purchase, but some may not be applied and must be asked about before being credited. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and will save you 10% or more.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts can get savings up to 30%.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% with a few car insurance companies.
  • Accident Free – Claim-free drivers can earn big discounts compared to frequent claim filers.

Consumers should know that most discounts do not apply to all coverage premiums. Some only reduce the cost of specific coverages such as medical payments or collision. So despite the fact that it appears you would end up receiving a 100% discount, you won’t be that lucky. But all discounts will reduce the cost of coverage.

For a list of providers offering car insurance discounts in Modesto, click here to view.

Comprehensive Modesto Car Insurance Comparison Quotes

Cutting your car insurance rates isn’t really that difficult. The only requirement is to take a couple of minutes getting comparison quotes from different insurance companies. It is quite easy and can be accomplished in several different ways.

  1. The recommended way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for a different quote for each company you want a rate for. One form submission will get you rate comparisons . Recommended for those who want to invest the least amount of time.
  2. A slightly less efficient method to shop for car insurance online consists of visiting each company website to complete a price quote. For examples sake, let’s say you want to compare rates from Nationwide, 21st Century and Progressive. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method. For a handy list of car insurance company links in Modesto, click here.

It’s up to you how you get prices quotes, just double check that you are using identical coverage limits and deductibles for every company. If you compare higher or lower deductibles then you won’t be able to determine the best price in Modesto.

Best coverage at the best price

Low-cost car insurance is definitely available both online in addition to many Modesto insurance agents, and you should be comparing both to have the best selection. There are still a few companies who do not provide online price quotes and these small insurance companies work with independent agents.

save money image

As you shop your coverage around, don’t be tempted to reduce coverage to reduce premium. There have been many cases where someone sacrificed uninsured motorist or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy a smart amount of coverage at an affordable rate, not the least amount of coverage.

Throughout this article, we presented some good ideas how to save on car insurance. The key concept to understand is the more you quote, the better chance you’ll have of finding lower rates. Drivers may discover the most savings is with the least-expected company.