Auto Insurance

auto insurance near me


A great tool to help search cheap auto insurance quotes Anaheim CA or within any city in California is through a comparison tool.  This way you will have a number to shop when you start comparing rates.

Also, it lets you know how much coverage your insurance will really cost. These online tools are a great start to tailor your coverage options and compare rates, but there are other vital steps in the process. This is why it may be a good idea to consult with a professional.



For example, do you use your vehicle for business use, then you want to ensure your policy is covering you for this option. Another common example is permissive use. This options allows for coverage on your policy to transfer over to any driver who were to use your vehicle. With your permission of course.

However, if you were to just compare rates with an online tool and not truly understand what coverage options you need or are even available to you, it could end up costing you more down the long run

Remember that coverage is not a commodity, and a lot of guidelines and protocols exist on the backed.


General Car Insurance

This is a great way to compare automobile quotes if you have a clean driving record. However, if you are like many people driving the roads of California, you may have a ticket, accident or even a suspension.

Regardless of the severity of the incident you have received, keep in mind that most direct carriers only run your driving record until your ready to buy. So, the numbers you receive before you buy may not be the same.


The Process

The process of finding what is on your driving record is called a Motor Vehicle Activity Report. All carriers have access to your MVR report which is how they can configure your rate.


Main Point for Quotes

The main point to this process is if you do insurance online auto, is to make sure your driving record is being calculated into the quote.

Many companies will not process your driving record until you are ready to buy. In some cases, you may receive a notice of changes on your policy premium because activity was found.


The Aftermath

This means that accidents or speeding tickets were found, only instead of at the time of sale, you will receive several weeks after you made your purchase.

You may have already experienced this when you started your search online. You put in all your rating information like, name, date of birth, type of vehicle and so forth, and then a quote is calculated based on the information you put in.

If any of the information you provided during your quote was inaccurate, you will definitely see an increase in premium.


MR Fees

Most companies will not run your driving record because of the added cost. Each time your driving record is ran, it costs the provider money out-of-pocket. You can see how costly this process can get for the company, and is why they don’t run every record until the customer is ready to buy.

So, in order to avoid these costs, companies will ask for your credit card or some type of payment method in order to proceed with your guaranteed rate.



In many cases, you will see a disclaimer online usually below your auto quote, stating that your auto insurance quote is subject to change due to underwriting. What this means is, if you have a few imperfections on your driving record, they will find it and charge you for the additional risk.

good2go insurance

good2go insurance



You will receive a notice either by mail or email letting you know of the change. In some cases, if your driving record is pretty flawed and you pose a high risk to a company who does not specialize in the high risk market of protection. In some cases, you may even find yourself being denied coverage all together.

In this case a non renewal or cancellation notice will follow letting you know you will no longer be accepted under the program. This is why it is so important that you disclose everything at the time of sale, and make sure to read the fine print before making a purchase.

This simple observation will save you so much time and future headaches.


Buy Direct

Buying directly online is an easy way to get covered fast. However, if your information is not properly imputed, you face the consequences of not only being improperly insured, but not being rated correctly.

If you are like most people and have something on your driving record, then you want to make sure all your activity is being reported. Accuracy is key to getting the best rates possible.


Talk to a Professional

If you find yourself in this situation, it’s good to talk with an experienced, licensed, agent. One who understand you specific needs and can walk you through process in a painless and simple manner.

With the right advice and professional overview, you can find yourself saving a lot more than just money on your quotes.



extremely cheap auto insurance

extremely cheap auto insurance



General Insurance Adviser

Having a good adviser is like having a good dentist, when having dental problems. If you were having severe teeth pain and needed a root canal, you wouldn’t try removing your tooth by yourself.

Even if people have done so by themselves, you still run the risk of having bacteria spread and only causing more future problems.


Find the Source

So, if you’re having dental problems it’s best to just go to a professional dentist. They can remove the source of pain without causing any adverse reactions to your health.

Or even worse, you risk losing your teeth due to your lack of experience in dental maintenance. This same concept applies to that of buying direct car coverage.



renters insurance dallas

renters insurance dallas


Ready, Set, GO!

So, before you begin your search online for general car insurance quotes online, make sure you understand some of the rating factors that go into your quote. These rating factors not only determined how to find the best rates, but also the right market to shop for your automobile coverage.

If you are over 6 feet tall, you wouldn’t shop for clothes in the petite aisle, it makes no sense at all, so, keep that in mind when you are comparing online quotes as well.

If you are in doubt about auto coverage or what you need for your specific lifestyle, it’s best to just speak with a professional licensed insurance agent or broker.

Car coverage rates, regardless if you live in Los Angeles CA, or Orange CA, can be expensive. This is why it is important to learn about the rating factors behind that low-cost quote, before you actually buy it.


Factors That Effect Insurance Quotes

Many factors are considered into your auto quote. For instance, your age, gender, driving record and history, garaging address are all factored into your policy premium.

A lot people will question why their friend or neighbor is paying less on their car coverage than they are.

Unfortunately, even though it may appear your friend or neighbor have similar rating factors, you may be missing one extremely important rating factor which is your driving record.



auto insurance anaheim ca

auto insurance anaheim ca


State Minimum Coverage

When discussing liability only coverage, having multiple tickets or accidents will definitely trigger an increase on your automobile insurance. So, even if you share all other insurance rating factors with a clean driving record counterpart, you will definitely see a difference in price of your car insurance.

Normally, after receiving two points on your driving record, you will learn that your “good driving discount” is no longer being applied.

What this means to you is, higher rates, exactly why you are shopping and comparing the best rates and places possible.


Get Car Insurance Quotes for Bad Drivers

This is a smart approach and will help you save money on your premium.

If you recently lost your good driving discount or never had it to begin with, than your more than likely to fall into an insurance program specialized in high risk drivers or vehicles.

These companies are ranked as a non standard company, but can offer considerably lower rates than a preferred Standard company. Each carrier has a niche market so, keep this in mind when comparing rates.



anaheim insurance services

anaheim insurance services


Licensed Adviser

Remember, if you are working with a licensed brokerage or coverage provider, they work with state appointed carriers that are regulated and enforced by the Department of Insurance.

What this means to you as the insured is you are protected by the Government in the event of insolvency. This is a common question we hear when people are shopping and comparing quotes.


High Risk Drivers

It is actually an excellent question and if you are ever unsure if a carrier is backed by the government, you can always check with the Department of Insurance. So, this means you are fully protected with best coverage possible!

There are specialized carriers which have fantastic rates for such drivers.

They specialize in high risk drivers and vehicles, they can also provide SR22 Fillings and DUI Coverage and can even insure a non owners policy even if you need a SR-22 Filling.

So, make sure to start your insurance buying experience with an insurance company that won’t deny you coverage while offering you a fantastic rate. To do so, you must match your carrier with your rating factors such as your “driving record for example.


anaheim auto finance

anaheim auto finance



If you have a DUI or multiple violations or convictions on your motor driving record, you probably have already experienced the larger preferred companies denying your risk or asking for ridiculously high premiums.

This is very common in the insurance industry so it’s important to research a carrier who specializes in high risk coverage.


Not All Auto Insurance Companies Are the Same

Remember, not all auto coverage companies require the same underwriting guidelines.

So, if you have poor credit, a flawed driving record, a new driver, have an exotic vehicle which places you in a high risk market as an example, than your best bet is to shop for coverage that not only loves this market but has the Cheapest Auto Insurance Rates, without sacrificing coverage.


Marketing Dollars

Normally, your big name automobile coverage providers you see every second on television in most cases do not specialize in this market and even have subsidiary or sister companies they transfer or place through to make you feel as though your buying into the Brand!

This can cost you tons of money since not only our your premium dollars going towards their over-sized marketing budget but they don’t even have rates that our competitive within this specialize market.


Car Insurance Places in California

When shopping for vehicle coverage, make sure to ask the provider if any additional policy service fees exist if you were to make future policy changes or which the industry refers to as endorsements. A lot of providers charge outrageous fees for making simple policy changes such as making a change to your mailing address.

Now, that low down policy payment doesn’t seem like such a great deal anymore. These type of questions are important to ask before signing any documents since it can cost you more than you originally thought.


More Questions

Another great question to ask when comparing providers in California, is whether you can purchase the policy over the phone or online.

This is an important question to ask during the quoting process since the quote your about to receive will be just that, a quote! A quote is never guaranteed unless your driver’s license was ran through the DMV and your Vehicle Identification Number is entered into the rating system.


Reports Ran

If either one is not performed you will know it immediately. The licensed agent on the other end will have you physically come into their office, claiming they need pictures, regardless if it is a liability only policy. It is always best to ask these questions during the process, it will save you a lot of time and money!

The liability only portion you can buy to protect yourself is state required if you live in California. This protection will protect you against any legal ramifications if you were to get caught driving without coverage, plus risk having your vehicle towed if you were pulled over by a police officer.



auto insurance quotes california

auto insurance quotes california


Keep Me Legal

Remember, a police officer is not concerned whether you have full coverage or the portion that would cover your vehicle if involved in an accident or stolen. The only concern the state of California and a police officer would have if you were pulled over is if you do not have any liability coverage at all.

The full coverage portion which most people have either a $500 or $1,000 deductibles are primarily to satisfy your lien holder or the company financing your vehicle. The finance company is only concerned with the full coverage portion to make sure their investment is protected.


Full Coverage Only

The liability portion is not of their concern and actually if you were to purchase coverage through a finance company during the sale of your new vehicle, the only coverage offered would be the comprehension and collision, which most people do not realize.

The liability portion is not offered and you would be responsible for this portion. This type of coverage is commonly referred to as an insurance binder

This binder is for the protection of the finance company in case the vehicle is stolen or damaged in an accident.


Liability Coverage

Any liability responsibility would be placed on the driver so, make sure you review this information if you recently purchased a new VEHICLE and didn’t have any coverage prior to buying the binder.

It can be a confusing process for new drivers, new vehicle buyers or people who just do not work in the finance industry.

So, don’t blame yourself, just ask questions during the process so you are fully protected, and not just the dealership and finance company.



best cheapest car insurance companies

best cheapest car insurance companies



Find Car Insurance Near Me

Shopping for quotes is sometimes simpler than you think.

It really comes down to finding a provider who understands your needs. The simple quoting process of gathering all your information will help find you the best rates possible, that matches your needs of course.

Many times parents will call to separate their children from their own policy, which in most cases, is wise.


Youngest Driver to Rate

Remember, all companies rate the youngest, less experienced, with the worst driving record to your policy. So, you as a parent can be paying coverage on your twenty year old son’s driving record and experience.

Ouch, this can definitely cost you. Now having shared some of the rating factors that go into your quote, your next question is how you can reduce your premium on your policy.


Unfavorable Driving Record

If you have a driver that has an unfavorable driving record or does not have the driving experience necessary to keep your rates low.

This is actually a very common question and experienced by many Californians, who go through this situation so, let’s examine the options available to you. The first scenario is if you have a clean driving record but your spouse doesn’t, what to do.

Depending on how severe the driving record is with your spouse you may want to exclude them from your policy entirely, and have them open up a new policy under their name and with their vehicle only.



anaheim used auto sales

anaheim used auto sales


Example Purposes

For illustration purposes, let’s say you have two vehicles in your household, one a Nissan Quest and the other a Chevy Corvette. Your husband has a clean driving record but unfortunately the wife just got a speeding ticket picking up her favorite Starbucks coffee drink.

If you have a shared policy with both vehicles listed on it, guess what, your wife’s new speeding ticket will affect the entire policy premium.


Long Term Cost

So, now you are paying for that coffee drink for the next 36 months or 3 years. It does sound unfair if you’re the spouse with the clean driving record, but you have options and as mentioned above, you can just buy a separate policy and have your wife excluded from your policy.

This means that if you drive the Chevy Corvette, your wife cannot because she lives in the same household, and if any driver lives in your household, they must either be excluded or added to your policy.


Good News

The good news is that if your wife opens up a new policy on her own, you can be added to her policy since your driving record is not the one that has changed. This separation of policies, especially if you have a high performance vehicle or high valued symbol vehicle can save you tons on your auto insurance.

The only downfall in this example is that your wife cannot drive the Corvette under any circumstance so, take all these factors into consideration when shopping for the most reasonable coverage.


cheapest car insurance in la

cheapest car insurance in la

Non Renewal

In some cases, your current auto insurance company may even drop or not renew your policy if your wife is included on the policy so, you would be forced to shop a separate policy for her if you want to remain with your current provider.

Still have questions about how to save on car insurance quotes, then contact a licensed insurance agent at 800-962-0085 and find cheap auto insurance free quotes!

Remember, you do not have to sacrifice coverage to save money on your premium, and yo shouldn’t have to pay any additional fees out-of-pocket once you have an existing auto insurance policy.

Sometimes, you find yourself paying a lot more in the long run,not to mention the lack of coverage options and service.

Service Areas: Anaheim, Fullerton, Buena Park, Costa Mesa, Huntington Beach, Corona, Riverside, Moreno Valley, San Bernardino, Victorville, Ontario, Fontana, Long Beach, Los Angeles, San Diego.


Car Insurance California
  • Brent Trooper