Pacific Beach

How To Get Cheap Car Insurance in Pacific Beach Car

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San Diego quotes, Pacific Beach quotes, Ocean Beach quotes and Mission Beach quotes are all HUGE search terms on google.

Why?  PB, OB and MB residents are all clamoring for the same thing: affordable auto insurance.

Living near the coast comes with a cost.  That’s why it’s important to find the best San Diego quotes when it comes to your car insurance.

Cheap Car Insurance in Pacific Beach

Here’s some easy tips to make sure you’re getting the lowest rates when shopping around for car insurance.

  1. Annual Mileage – Be sure you give your insurance agent the lowest (realistic) annual mileage estimate.  Insurance companies charge more if you’re driving more.
  2. Ask About Discounts – you may qualify for discounts you never would have thought of; have a Bachelor’s Degree?  Work in a science related field? Home more than one car? Have lojack or some other tracking device for your car?  If you answered yes, then you likely qualify for a significant discount.
  3. Is your car paid off? – If so, you’re not required to have Comprhensive Coverage or Collision coverage (which makes up the bulk of your insurance costs.  Comprehensive is pretty cheap actually.  This one covers your car if it’s damaged NOT from an accident (e.g. stolen, broken window, tree falls on it, vandalized, etc).  Plus, your rates won’t go up with a Comprehensive claim, so this one is worth having (but not required).