It’s safe to assume that car insurance companies want to keep your business as long as possible. Insureds who compare other prices will presumably buy a new policy because the odds are good of finding a lower rate. A study showed that drivers who compared rates regularly saved about $865 a year compared to policyholders who don’t make a habit of comparing rates.
If finding discount rates on car insurance in Irvine is the reason you’re here, knowing the best way to quote and compare coverages can save money and time.
The recommended way to get low-cost car insurance rates in Irvine is to compare prices regularly from insurance carriers in California.
First, get an understanding of how companies price auto insurance and the things you can control to prevent rate increases. Many policy risk factors that drive up the price like traffic tickets, fender benders, and poor credit history can be rectified by paying attention to minor details. Continue reading for more details to prevent high prices and get additional discounts that may have been overlooked.
Second, compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only provide price estimates from one company like GEICO or State Farm, while independent agents can provide rate quotes from many different companies.
Third, compare the new quotes to the price on your current policy to determine if you can save on G8 insurance. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
The most important part of shopping around is that you’ll want to compare the same liability limits and deductibles on each price quote and and to compare as many different insurance providers as possible. This ensures a level playing field and a good representation of prices.
Best Pontiac G8 insurance rate quotes in California
The car insurance companies shown below can provide price quotes in Irvine, CA. In order to find cheap car insurance in California, we recommend you get rate quotes from several of them to find the cheapest car insurance rates.
Learn How to Lower Your Insurance Costs
Many different elements are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but others are less apparent such as whether you are married or your vehicle rating. It’s important that you understand some of the factors that are used to determine car insurance rates. If you have a feel for what controls the rates you pay, this enables informed choices that can earn you lower premium levels.
The factors shown below are a partial list of the pieces used by companies to determine rates.
Credit rating impacts prices – Having a good credit history is likely to be a major factor in your rate calculation. If your credit rating is not that good, you may save money insuring your Pontiac G8 if you clean up your credit. Insureds that have very good credit scores tend to be more responsible than drivers who have lower credit ratings.
Don’t skimp on liability coverage – The liability coverage on your policy kicks in when you are found liable for damages from an accident. Your policy’s liability insurance provides legal defense coverage which can cost a lot. It is affordable coverage as compared to coverage for physical damage, so buy as much as you can afford.
Choose high NHTSA crash test ratings and save – Cars with high safety ratings can get you lower premiums. Vehicles engineered for safety reduce the chance of injuries and fewer serious injuries means your insurance company pays less and thus lower rates. If your Pontiac G8 has at least an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
Stay claim-free and save money – If you frequently file small claims, you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Auto insurance companies in California provide cheaper rates to drivers who are claim-free. Insurance coverage is intended for more catastrophic claims.
Never let your car insurance expire – Allowing your coverage to lapse can be a sure-fire way to increase your car insurance rates. Not only will you pay more, not being able to provide proof of insurance will get you a steep fine or even jail time. You may have to file a SR-22 with the California motor vehicle department to get your license reinstated.
Better drivers have lower costs – Only having one speeding ticket can increase the cost of insurance forty percent or more. Drivers with clean records pay lower auto insurance prices than bad drivers. Drivers with flagrant tickets like DWI, reckless driving or hit and run convictions may find they need to prove financial responsibility with their state DMV in order to legally drive.
Prices can be impacted by your employer – Careers like military generals, social workers, and miners usually pay higher rates than average due to stressful work requirements and lots of time spent away from family. On the other hand, careers like professors, engineers and performers pay the least.
Your address can affect price – Living in a small town is a positive aspect when talking about car insurance. Urban drivers regularly have more aggressive driving styles and a longer drive to work. Less people corresponds to lower accident rates as well as less vandalism and auto theft.
Get cheaper Pontiac G8 insurance rates in Irvine
Properly insuring your vehicles can get expensive, but you can get discounts that you may not even be aware of. Larger premium reductions will be automatically applied at the time of quoting, but a few need to be manually applied before they will apply.
- Good Student Discount – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally up until you turn 25.
- Distant Student – Older children who attend college more than 100 miles from Irvine and do not have a car may be able to be covered for less.
- Auto/Life Discount – Some insurance carriers give a small discount if you purchase a life insurance policy as well.
- Discounts for Multiple Vehicles – Buying coverage for multiple vehicles on one policy can reduce rates for all insured vehicles.
- 55 and Retired – Drivers that qualify as senior citizens may qualify for reduced rates.
As a sidenote, some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you can get free auto insurance, company stockholders wouldn’t be very happy.
Some companies that may include many of the previously listed discounts may include but are not limited to:
When comparing rates, check with all companies you are considering how you can save money. All car insurance discounts might not apply in your state. To locate providers that have a full spectrum of discounts in Irvine, click here to view.
Are auto insurance agents of importance?
Many drivers just want to get advice from a local agent and we recommend doing that One of the benefits of comparing car insurance online is that drivers can save money and get the best rates and still have a local agent. Buying insurance from local insurance agencies is important especially in Irvine.
Once you complete this form (opens in new window), the coverage information gets sent to local insurance agents in Irvine who will give competitive quotes for your insurance coverage. There is no reason to drive around since rate quotes are delivered to you instantly. You can find lower rates and work with a local agent. If you want to get a price quote from a specific car insurance provider, don’t hesitate to visit that company’s website and submit a quote form there.
Listed below is a list of insurers in Irvine that are able to give price quotes for Pontiac G8 insurance in Irvine.
Farmers Insurance
4000 Barranca Pkwy # 250 – Irvine, CA 92604 – (949) 262-3238 – View Map
Farmers Insurance – Berdy Gonzalez-Lubnau
41 Corporate Park #240 – Irvine, CA 92606 – (714) 263-2623 – View Map
Hays Co
18201 Von Karman Ave # 510 – Irvine, CA 92612 – (949) 442-7662 – View Map
Chris Barr – State Farm Insurance Agent
17802 Irvine Blvd a121 – Tustin, CA 92780 – (714) 544-2558 – View Map
Choosing the best insurer requires you to look at more than just a cheap price quote. The answers to these questions are important, too.
- What is the financial rating for the quoted company?
- Is coverage determined by price?
- Do they have any clout with companies to ensure a fair claim settlement?
- How many years have they been established?
- How experienced are they in personal risk management?
- Do they have adequate Errors and Omissions coverage? This protects you if they make a mistake.
- What companies can they write with?
- Does the quote include credit and driving reports?
California auto insurance companies ranked
Finding a highly-rated auto insurance provider is difficult considering how many companies sell insurance in Irvine. The company ratings displayed below can help you choose which auto insurers you want to consider when comparing rates.
| 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
One last thing to lower rates
As you quote Irvine auto insurance, do not skimp on critical coverages to save a buck or two. In many instances, an insured dropped liability limits or collision coverage and found out when filing a claim that it was a big mistake. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.
A few companies may not provide the ability to get a quote online and usually these smaller companies sell through independent agents. More affordable car insurance in Irvine is definitely available on the web as well as from independent agents in Irvine, and you need to price shop both to have the best chance of lowering rates.
In this article, we presented a lot of techniques to reduce Pontiac G8 insurance auto insurance rates online in Irvine. The key concept to understand is the more price quotes you have, the better likelihood of getting low cost Irvine auto insurance quotes. You may even be surprised to find that the lowest auto insurance rates are with the smaller companies. They often have lower premium rates on specific markets than the large multi-state companies such as Progressive or GEICO.
Helpful learning opportunities
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- What Insurance is Cheapest for Nurses in Irvine? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for Welfare Recipients in Irvine? (FAQ)
- What Insurance is Cheapest for Teenagers in Irvine? (FAQ)
- How Much are Auto Insurance Quotes for Drivers Requiring a SR22 in Irvine? (FAQ)
- Five Mistakes to Avoid (Insurance Information Institute)
- What is Covered by GAP Insurance? (Allstate)