Locating better insurance prices for a new or used Isuzu Axiom in California can turn out to be a painful process, but you can follow a few tricks and make it easy.
There is a right way and a wrong way to buy auto insurance so you’re going to learn the quickest way to get price quotes for a new or used Isuzu and locate the best price possible.
It’s a great practice to compare prices yearly because rates are usually higher with each renewal. Even if you think you had the best premium rates on Isuzu Axiom insurance in Irvine six months ago there may be better deals available now. You’ll find quite a bit of inaccurate information about Axiom insurance out there, but in just a couple of minutes you can learn some of the best ways to slash your auto insurance rates in Irvine.
If you have insurance now or just want a better rate, you can follow these tips to lower your rates while maximizing coverage. Comparing rates for affordable protection in Irvine is actually quite simple. Drivers just have to know the most effective way to compare insurance rates over the internet.
Insurance Cost Influencing Factors
Many different elements are taken into consideration when pricing auto insurance. Some are pretty understandable like an MVR report, but other criteria are not as apparent like your vehicle usage or your financial responsibility. The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your car insurance rates. If you understand what determines premiums, this enables you to make decisions that could result in lower premium levels.
Listed below are just a few of the factors utilized by car insurance companies to help set your prices.
Tickets are costly – Having a clean driving record impacts premiums far more than you think. Even one ticket can increase the cost of insurance forty percent or more. Drivers with clean records get better rates compared to drivers with tickets. Drivers with license-revoking tickets such as reckless driving, hit and run or driving under the influence may be required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
Pay more if you have a long commute – Choosing to live in areas with lower population has definite advantages when shopping for auto insurance. Drivers in populated areas regularly have congested traffic and more time behind the wheel. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
Never allow your policy to lapse – Having an insurance coverage lapse will be a fast way to bump up your car insurance costs. Not only will you pay more, the inability to provide proof of insurance could result in fines and jail time. You may need to prove you have insurance by filing a SR-22 with the California department of motor vehicles.
High credit rating translates to low premiums – Your credit score factor in determining premium rates. Therefore, if your credit score leaves room for improvement, you may save money insuring your Isuzu Axiom if you clean up your credit. Drivers who have high credit ratings tend to be less risk to insure than drivers with lower credit scores.
Discounts for married drivers – Walking down the aisle may save some money on car insurance. Having a spouse is viewed as being less irresponsible and it’s statistically proven that drivers who are married file infrequent claims.
Compare quotes for Irvine Isuzu Axiom insurance
Reducing your insurance rates is not a difficult process. The only requirement is to take a couple of minutes to compare rates to find out which insurance company has cheaper Irvine car insurance quotes.
The companies shown below provide quotes in California. If multiple companies are listed, it’s a good idea that you click on several of them in order to get a fair rate comparison.
Why you need insurance for your vehicle
Even though it can be expensive, buying insurance serves several important purposes.
- The majority of states have minimum mandated liability insurance limits which means it is punishable by state law to not carry a minimum amount of liability insurance in order to license the vehicle. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you have a lien on your vehicle, it’s guaranteed your bank will require that you buy full coverage to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may insure your Isuzu at an extremely high rate and require you to fork over for it.
- Insurance safeguards both your vehicle and your assets. It will also provide coverage for many types of medical costs incurred in an accident. One policy coverage, liability insurance, also covers legal expenses if someone files suit against you as the result of an accident. If your Isuzu gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to repair the damage.
The benefits of insuring your car definitely exceed the price paid, especially for larger claims. But the average American driver is overpaying over $830 a year so you should quote and compare rates once a year at a minimum to make sure the price is not too high.
Lower rate quotes on Isuzu Axiom insurance in Irvine with these discounts
Insurance is easily one of your largest bills, but companies offer discounts that can help lower your rates. A few discounts will automatically apply at quote time, but less common discounts must be inquired about prior to receiving the credit.
- No Claim Discounts – Claim-free drivers can save substantially compared to frequent claim filers.
- Multi-car Discount – Buying coverage for multiple vehicles with one company can reduce rates for all insured vehicles.
- Discounts for New Vehicles – Insuring a new Axiom can be considerably cheaper compared to insuring an older model.
- Lower Rates for Military – Having an actively deployed family member can result in better insurance rates.
- Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates on your policy.
- Telematics Data – People who choose to allow driving data submission to scrutinize where and when they drive by using a small device installed in their vehicle like Allstate’s Drivewise might get better premium rates as long as they are good drivers.
- Renewal Discounts – Some insurance companies give discounts for buying a new policy prior to your current Axiom insurance policy expiration. Ten percent is about the average savings.
- Home Ownership Discount – Just being a homeowner may earn you a small savings because of the fact that having a home requires a higher level of personal finance.
- Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from Irvine and do not take a car to college could get you a discount.
- Safety Restraint Discount – Drivers who require all occupants to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.
One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, it just doesn’t work that way.
A list of companies and some of the premium reductions they offer can be read below.
- Progressive discounts include online signing, online quote discount, good student, homeowner, multi-vehicle, continuous coverage, and multi-policy.
- The Hartford includes discounts for air bag, bundle, vehicle fuel type, anti-theft, and driver training.
- Mercury Insurance may offer discounts for location of vehicle, accident-free, good student, anti-theft, and type of vehicle.
- GEICO offers discounts including anti-theft, emergency military deployment, military active duty, driver training, and anti-lock brakes.
- AAA has discounts for pay-in-full, good student, multi-policy, multi-car, and anti-theft.
- State Farm may include discounts for passive restraint, driver’s education, accident-free, Drive Safe & Save, student away at school, multiple policy, and good student.
Before you buy a policy, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not apply in your area. To see a list of companies with discount rates in Irvine, click here.
Exclusive versus independent car insurance agents
Many people just prefer to go talk to an agent and that is a smart decision Good agents can answer important questions and give you someone to call. The biggest benefit of price shopping on the web is that you can find cheap auto insurance quotes and still buy from a local agent. Supporting local agencies is important particularly in Irvine.
To make it easy to find an agent, after completing this form (opens in new window), the quote information is transmitted to insurance agents in Irvine who can give free rate quotes and help you find cheaper coverage. You won’t need to even leave your home as quotes are delivered straight to your inbox. If for some reason you want to compare prices for a specific company, you would need to jump over to their website and complete a quote there.
Listed below is a short list of insurance companies in Irvine that are able to give comparison quotes for Isuzu Axiom insurance in Irvine.
- KCAL Insurance Agency (Irvine)
14795 Jeffrey Rd – Irvine, CA 92618 – (949) 786-6888 – View Map
- Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208 – Tustin, CA 92780 – (714) 544-4717 – View Map
- Willis Insurance Services of CA Inc
18101 Von Karman Ave # 600 – Irvine, CA 92612 – (949) 885-1200 – View Map
- State Farm Insurance Agent: Kevin Chhiv
2101 Business Center Dr Suite 110 – Irvine, CA 92612 – (949) 202-0338 – View Map
Finding the right company should include more criteria than just the premium amount. Below are some questions you should ask.
- Can you contact them at any time?
- Are they able to influence company decisions when a claim is filed?
- Are they actively involved in the community?
- Will the agent help in case of a claim?
- Are you getting all the discounts the company offers?
- Do they prorate repair cost based on vehicle mileage?
- Do the companies they represent have a solid financial rating?
- How many companies do they write for?
You are unique and your car insurance should be too
Keep in mind that when it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different.
For instance, these questions might help in determining whether your personal situation would benefit from an agent’s advice.
- Is rental equipment covered for theft or damage?
- Is a fancy paint job covered?
- What is medical payments coverage?
- Can I make deliveries for my home business?
- Do I need special coverage while pulling a rented trailer?
- Why do I need rental car insurance?
- Is my Isuzu Axiom covered for flood damage?
- How much can I save by bundling my policies?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and you can get the answers you need.
Cheap auto insurance is out there
As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped physical damage coverage only to regret at claim time that the small savings ended up costing them much more. The ultimate goal is to purchase plenty of coverage at the best price but still have enough coverage for asset protection.
A few companies may not provide internet price quotes and most of the time these smaller providers work with independent agents. Lower-priced auto insurance in Irvine can be purchased online and from local insurance agents, and you should be comparing both to have the best rate selection.
Drivers switch companies for any number of reasons including poor customer service, not issuing a premium refund, denial of a claim or even questionable increases in premium. Whatever your reason, finding the right auto insurance provider is actually quite simple.
Steps to buying discount Isuzu Axiom insurance in Irvine
If saving the most money is your goal, then the best way to get low-cost Isuzu Axiom insurance is to annually compare prices from insurers who provide car insurance in Irvine.
- Read and learn about how insurance companies determine prices and the things you can change to keep rates down. Many risk factors that increase rates such as at-fault accidents, careless driving, and a not-so-good credit score can be rectified by making lifestyle changes or driving safer.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give prices from one company like GEICO or State Farm, while agents who are independent can provide prices from multiple companies. Begin your rate comparison
- Compare the quotes to the premium of your current policy and see if you can save money. If you find a lower rate quote and buy the policy, make sure there is no coverage gap between policies.
An important note is to make sure you enter the same coverage limits and deductibles on each quote and and to look at as many car insurance companies as possible. This helps ensure a fair rate comparison and the most accurate and complete price analysis.
Additional information can be found below:
- Older Drivers FAQ (iihs.org)
- Who Has Cheap Auto Insurance Rates for a Company Car in Irvine? (FAQ)
- How Much are Irvine Car Insurance Rates for a Toyota RAV4? (FAQ)
- Who Has Cheap Auto Insurance for a Ford Explorer in Irvine? (FAQ)
- How Much are Car Insurance Quotes for a 20 Year Old Female in Irvine? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for Hybrid Vehicles in Irvine? (FAQ)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)
- Get the Right Protection (InsureUonline.org)
- Child Safety Seats (Insurance Information Institute)