We are all familiar with auto insurance commercials promising the best prices and the best coverages. But contact your local independent agency and you will be introduced to a variety of companies with different premiums for similar coverage. This is the reason you go to an independent agent in the first place. Even though companies assign different values for different rating factors, they all start out on pretty much the same page.
In California, all companies must consider three main rating factors first and foremost: Miles driven annually, years of licensed driving experience, and the safety record of the individual driver. There are other less significant factors companies will likely consider, such as marital status, gender, age, vehicle type, garaged or not, etc.
Of course, there are ways to save on your auto insurance premium. Obviously, maintaining a clean driving record and cutting down on the number of miles you drive is helpful. There is nothing you can do about your age, gender or marital status. However, there are other things you can do to save money.
The type of vehicle you drive can also ease up on that premium dollar. A non-sporty model with an excellent safety record is a good thing. Ask about alumni and other professional association discounts. Take a driver safety class. Increase your deductibles.
The only way you can make sure you are getting the best price possible for your coverages is to sit down with your insurance professional and talk about your options. If taking a few minutes can save you potentially hundreds of dollars, why not get it done?