No doubt you'd much rather wile away the afternoon listening to the Pasadena Symphony or checking out the latest cool geek gear at Caltech. But you have business to do: specifically, you need to source Pasadena insurance quotes to cover your home, auto, business, and other needs. Unfortunately, the stress of collecting and sorting through offers from different insurance companies can feel similar to the frustration that boils up inside when you get stuck on the 210 heading north into town due to traffic on the 5. So how can you unclog this jam and get moving towards better Pasadena insurance options? The key is maddeningly simple. You need excellent, reliable information about insurers, statistics and applicable laws.
Collect Pasadena Insurance Quotes for Your Car or Truck
Collecting and parsing auto insurance quotes can be more complicated than assembling the Tournament of Roses Parade. But you don't need to be an egghead out of the Big Bang Theory to make simple calculations to save money on your insurance and simultaneously protect yourself against dangerous risks. First, consider that California's laws (as of early 2010) stipulate that drivers must carry minimum insurance of $30,000 for bodily injury per accident, $15,000 bodily injury per person, and $5,000 for property damage. Second, the Golden State has one of the highest rates of uninsured motorists in the US. According to 2007 numbers complied by the Insurance Research Council, 18% of drivers are uninsured -- that's nearly one out of every five people on the road! And that's just the average for the state. Some analysts believe that rates for Southern California may be much higher.
On the plus side, surprisingly, auto insurance in California is not insanely high. Despite the ever-present traffic snarls on SoCal freeways, according to the National Association of Insurance Commissioners, in 2007, Californians paid just $800 on average for auto insurance. That's only a few bucks more than the $795 that the average US driver paid. And the CA rate appears to be going down. (In 2006, Californians paid $836 on average for auto.)
Treat Your Pasadena Insurance Quest as an Optimization Problem
Whether you are a controller at Bob Hope Airport or a math geek at California Institute of Technology, you know that precision counts. The same is true with your quest for insurance rates. You can take real and relatively easy to implement steps to lower your rates and perceived riskiness to insurers. For instance, opt for a higher deductible on your auto, home, or health policies. This means that you will pay more money out of pocket before your coverage kicks in. Insurers like this because it means that you share in more risk. If you are a driver, take a defensive drivers course and reduce the amount of driving you do (in Pasadena? Good luck!). If you are a student in good standing at Caltech, apply for a good student discount. Over the longer term, get your credit score in better shape, and shop around for quotes.
Passing the Torch to Practical Pasadena Insurance Quotes
The free and easy online service here at NetQuote can help you shop around for Pasadena insurance policies. Our service works as follows. First, fill out a simple online questionnaire (about 115 questions). Then, submit this form and get back 5+ quotes from high-caliber insurance companies. NetQuote also provides an easy format to analyze and contrast quotes as well as a slate of articles that can walk you through questions you have.