5 Ways To Find The Best Price On Car Insurance in San Diego

Shopping for car insurance in San Diego can be a daunting, overwhelming task. With so many options out there, it’s hard to know where to begin. This guide will help you through the process and point you in the right direction.

Here are the top 5 ways to find the lowest car insurance rates in San Diego:

1.) Utilize the services of an independent agent.

It’s all about choice. You wouldn’t go to car dealership if they only had one color available would you? Would you go to an ice cream shop that only had vanilla? Then why would you go to an insurance company that can only offer you one choice? An independent agent (like us) offers many different companies, and represents you, the client. Let the independent agent do the leg work for you and shop the marketplace to find you the best coverage and rate available.

This is the best way to get a custom plan based on your specific needs.

2.) Make sure to ask about any available group discounts

You may qualify for discounts on your auto policy such as Teacher, Alumni, Engineer, Scientist, CPA, and Law Enforcement groups, and many others. Let your agent know what type of work you do, and what your education level is so they can apply all of the discounts to your policy.

3.) Calculate how many miles you drive in a year

Part of the rating is based on how many miles you drive annually. The more you drive, the more likely you are to be involved in a collision. You can use past service invoices such as oil change or tire rotation to determine how many miles you are driving. Make sure the agent lists this figure accurately so you are rated based on the actual annual miles you drive.

4.) Good Student Discount

Do you have young drivers on the policy? If they are students and have a 3.0 or higher GPA, make sure to inform your agent so the Good Student Discount is applied. Also, if you place the young driver on an older car, or one that you don’t carry collision coverage on, this will help keep the rate as low as possible.

5.) Anti-theft or Lo-Jack System

Let your agent know if your vehicle has an anti-theft device or alarm system. There are discounts available for both, and an even greater discount if your vehicle has Lo-Jack or a similar GPS tracking device.

Hopefully these tips will help you in your search!

Don’t be fooled by misleading advertising, and don’t spend all day calling everyone in town.

Find a good independent agent in San Diego that you can trust, and let them do the research for you. I’ve been helping San Diego families find the best coverage and rates on their insurance for 18 years, and write for over 20 top-rated companies.

If you’d like us to quote your coverage for you, we’d be happy to do that. Simply click the button below to get started.

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