News Flash: you need not be as wealthy as hometown hero Dwayne Johnson (a.k.a The Rock), to purchase effective and efficient Hayward insurance for your life, health, auto, and business needs. However, bridging the disconnect between where you are now -- without adequate coverage -- to where you want to be can feel at times as frustrating as trying to cross the San Mateo Bridge during rush hour or getting caught in a traffic snarl at Five Flags. If only you had better information and an easier way to organize your Hayward insurance options, you could break through that traffic jam, get the coverage and rates you want, and move on to bigger and better things, such as enjoying a nice relaxing supper in San Lorenzo.
Going Forward and Backward to Source Hayward Insurance Quotes for Your Auto or Truck
Demographic estimates suggest that Hayward's population will increase by another 20,000 people by 2030. With so much traffic moving in, you need to know how to navigate your auto insurance morass -- and fast. First, consider the good news. Californians on average don't pay much more than average for their auto insurance, believe it or not. In fact, rates appear to be going down. In 2006, according to the National Association of Insurance Commissioners (NAIC), Californians paid $836 for auto. In 2007, that number dropped to $800.
On the other hand, Hayward drivers face some specific local annoying issues -- such as the aforementioned traffic as well as dangers posed by uninsured and underinsured motorists. California ranked seventh in the nation in 2007 for uninsured motorists, according to the Insurance Research Council. And who knows if or when the 238 bypass will ever be built or how the Mission Boulevard congestion will be resolved. If the city's public transportation system were more robust, that could alleviate some crowding and lead to a safer environment for drivers (and thus, indirectly, to lower rates across the board). But until that happens, use these tips to try and get your rates down.
Lower Your Rates and Raise Your Spirits
First, drive less, if you can. Doing so can qualify you for a low mileage discount. Alternatively, take a defensive drivers course, opt for a higher deductible on your policy, and buy your auto and home insurance from the same company. If you have a few months to spare, purge your DMV record of black marks like tickets and accidents, and work on boosting your credit score by paying off debt and going over your credit reports from the 3 bureaus (TransUnion, Experian, and Equifax) with a fine-toothed comb. You might also install security features on your car and opt out of collision or comprehensive coverage -- particularly if you own an older vehicle.
Hey Now - It's Time to Shop for Hayward Insurance Quotes
Hay may be for horses. But better Hayward insurance options should be for everyone in town. To that end, we at NetQuote can provide a key service. Fill out an online questionnaire and submit it to get five (or many more) quotes back for your life, auto, health, business, or other kind of insurance needs. You need not be a Bay Area IT whiz kid to use our system. NetQuote is fast, direct, and efficient. Consider that if you try to get five quotes from insurers directly, you will have to fill out a new questionnaire each time -- and each questionnaire runs around 115 questions. This "do it by hand" approach can chew up your entire afternoon. Instead, use NetQuote to get Hayward insurance quotes from trusted insurers to save time.