It’s hard to believe, but nearly 70% of California drivers renewed their policy with the same company for well over three years, and 38% of customers have never shopped around. Most drivers in the United States could save themselves about $850 a year, but they just feel it’s too hard to shop their coverage around.
Really, the only way to find lower priced Acura ILX insurance is to compare prices once a year from insurance carriers that sell auto insurance in Riverside. Price quotes can be compared by following these guidelines.
- Read about how car insurance works and the measures you can take to keep rates low. Many risk factors that drive up the price like speeding tickets, careless driving and an unfavorable credit rating can be controlled by improving your driving habits or financial responsibility. Continue reading for more information to help prevent costly coverage and find possible discounts that are available.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only provide price estimates from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes from multiple companies.
- Compare the new rate quotes to your existing rates to determine if switching companies saves money. If you find better rates and change companies, ensure there is no coverage lapse between policies.
- Give notification to your current company of your intent to cancel your current car insurance policy. Submit the completed application along with a down payment to your new company or agent. Make sure you put the certificate verifying proof of insurance in an easily accessible location.
An important part of this process is to use similar deductibles and liability limits on each quote and and to get prices from as many companies as you can. Doing this enables an accurate price comparison and the best price selection.
If you have a policy now, you will surely be able to find better prices using the ideas you’re about to read. Finding affordable auto insurance coverage in Riverside seems hard but is not really that difficult. But California car owners must understand the way insurance companies set your policy premium and apply this information to your search.
Best companies for competitive Acura ILX insurance in California
The providers in the list below offer comparison quotes in California. If several companies are displayed, it’s a good idea that you compare several of them to find the lowest car insurance rates.
Companies offer many discounts on Acura ILX insurance in Riverside
The cost of insuring your cars can be expensive, but there are discounts available to help offset the cost. Some of these discounts will be visible when you purchase, but lesser-known reductions have to be requested specifically before they will apply.
- No Claims – Claim-free drivers can save substantially when compared to drivers with a long claim history.
- Accident Waiver – Not really a discount, but some insurance companies may permit one accident before hitting you with a surcharge if your claims history is clear prior to the accident.
- Online Discount – Many companies may give you up to $50 for signing up digitally online.
- Auto/Life Discount – Some auto insurance companies give better auto insurance rates if you take out a life insurance policy as well.
- Discounts for Federal Employees – Active or retired federal employment could provide a small rate reduction with a few auto insurance companies.
- Drive Safe and Save – Drivers who avoid accidents can pay as much as 50% less compared to rates paid by drivers with frequent claims.
- Drive Less and Save – Low annual miles could be rewarded with slightly better auto insurance rates than normal.
One last thing about discounts, most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like collision or personal injury protection. So even though they make it sound like you would end up receiving a 100% discount, it just doesn’t work that way.
If you would like to see a list of insurers that offer the discounts shown above in Riverside, follow this link.
Local agents and auto insurance
Some people just prefer to visit with an insurance agent and that is not a bad decision One of the great benefits of price shopping on the web is you may find better rates and still have a local agent. Supporting local agents is especially important in Riverside.
Upon completion of this short form, your insurance data is instantly submitted to companies in Riverside that can provide free Riverside car insurance quotes for your insurance coverage. It makes it easy because there is no need to leave your computer because prices are sent to you. You’ll get the best rates without a big time investment. If for some reason you want to compare prices for a specific company, you can always find their quoting web page and fill out the quote form the provide.
Different types of auto insurance agents in Riverside
When finding local Riverside agents, there are a couple of types of insurance agents and how they are slightly different. Auto insurance policy providers may be either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agents
These agents are not locked into one company so they can insure your vehicles with a variety of different insurance companies and possibly get better coverage at lower prices. If your premiums go up, they can switch companies in-house which makes it simple for you.
If you are trying to find cheaper rates, we highly recommend that you get several quotes from at a minimum one independent agency so that you have a good selection of quotes to compare.
The following is a list of independent agents in Riverside that can give you cheap rate quotes.
Joseph Insurance Services
3694 Sunnyside Dr – Riverside, CA 92506 – (951) 683-0777 – View Map
Insurance Incorporated
6809 Indiana Ave – Riverside, CA 92506 – (877) 898-9333 – View Map
Adriana’s Insurance Services
6200 Van Buren Boulevard #105 – Riverside, CA 92503 – (951) 710-1100 – View Map
Exclusive Agents
These agents can only provide pricing for a single company and some examples include Allstate, State Farm and Farm Bureau. These agents are not able to provide prices from multiple companies so they really need to provide good service. They are highly trained in insurance sales which aids in selling service over price.
Below are exclusive insurance agents in Riverside who can help you get comparison quotes.
Troy Manning – State Farm Insurance Agent
4955 Felspar St j – Riverside, CA 92509 – (951) 360-9921 – View Map
State Farm: Ollie Hatch Jr
6748 Brockton Ave – Riverside, CA 92506 – (888) 231-8822 – View Map
Farmers Insurance – Claudia Torres
6857 Thomas Ave – Riverside, CA 92506 – (951) 788-9006 – View Map
Finding a good auto insurance agent should depend on more than just a cheap quote. Agents should be asked these questions:
- What insurance company do they write the most business with?
- How are claims handled?
- Which insurance companies are they affiliated with?
- What is the agency’s Better Business Bureau rating?
- Do the coverages you’re quoting properly cover your vehicle?
- Can you contact them at any time?
If you feel you receive positive feedback for all questions you ask and an acceptable price quote, you may have found an insurance agent that meets the requirements to adequately provide auto insurance.
Best auto insurance in California
Ending up with the best insurance provider can be rather challenging considering how many choices there are in California. The company information below may help you analyze which car insurance providers to look at putting your business with.
| 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
Find affordable rates by comparing often
The cheapest Acura ILX insurance in Riverside can be purchased both online and from local agencies, so you need to quote Riverside car insurance with both to have the best selection. There are still a few companies who may not offer online price quotes and usually these smaller companies work with local independent agents.
You just learned many ways to lower your Acura ILX insurance premium rates in Riverside. The most important thing to understand is the more times you quote, the better chance you’ll have of finding the cheapest Acura ILX rate quotes. Drivers may even discover the lowest premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower prices on certain market segments than their larger competitors like State Farm and Allstate.
Much more information about insurance in California is available at these links:
- Bodily Injury Coverage (Liberty Mutual)
- Who Has the Cheapest Riverside Auto Insurance for Homeowners? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Seniors in Riverside? (FAQ)
- Who Has Cheap Riverside Auto Insurance for Drivers Over Age 60? (FAQ)
- Who Has Affordable Car Insurance for Used Cars in Riverside? (FAQ)
- Who Has Affordable Auto Insurance for a Chevrolet Silverado in Riverside? (FAQ)
- What Insurance is Cheapest for Drivers Requiring a SR22 in Riverside? (FAQ)
- Who Has Affordable Riverside Car Insurance After a Speeding Ticket? (FAQ)
- Honda warning system reduces insurance claims (Insurance Institute for Highway Safety)
- What are my Rights when Filing a Claim? (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Auto Insurance 101 (About.com)