Cheap Auto Insurance Quote in Anaheim, CA
We Offer the Lowest Rates & Best Coverage. Period.
When you live in Anaheim, CA driving is challenging. Coffer Insurance Services is the best auto insurance Anaheim provider offering the winning combination. Specifically, we offer the best auto insurance rates and the best coverage. This is the combination you need.
We understand the need for quality auto insurance in Anaheim and we shop several carriers to get you the best rates. Our professional insurance specialists work with you to understand your unique vehicle situation and needs. We make sure you are covered effectively. Furthermore, we ensure you do not purchase too much insurance. When you purchase too much insurance, you are driving around wasting money everyday.
We have been quoting auto insurance in Anaheim and all of Orange County since 1986. To speak with a trusted, local agent and get your cheap auto insurance Anaheim quote, please contact us today.
What Influences the Price of Auto Insurance?
The price you pay insuring your vehicle with the right coverage depends on several things such as:
- Your age
- Where you live
- How many miles you drive on average a year
- What kind of vehicle you are getting insured
- What type of driving record you have
- If you’ve ever had an accident
There is also an auto insurance Anaheim discount for safe driving practices such as using a seatbelt. Also, there is a discount if you bundle your policy with other types of insurance. Specifically, if you bundle auto with home insurance, you will save money on your overall policy cost.
Who is the Insured Party in a Vehicle Accident?
It is important to remember that the insured person includes the owner of the vehicle and also family members that reside with the owner. In addition, those who have permission to drive the vehicle are also insured. These other drivers must be stated on the policy for it to be effective.
All Anaheim, CA residents must have their vehicle insured. Our cheap auto insurance Anaheim California policies allow drivers and motorists to fulfill this obligation. Not surprisingly, this is a financial obligation covering you in the event of an accident. You can cover your vehicle in one of three ways:
- Self-insurance — This method involves paying a thirty-five thousand dollar deposit for each vehicle in order to be self-insured.
- Bond insurance — This particular method is similar to self-insurance except you purchase a thirty-five thousand dollar bond.
- Auto Insurance Anaheim Policy — This is the route most drivers take. You pay a monthly auto insurance premium for a particular amount of coverage that is right for your budget, vehicle reimbursement value, and driving behavior.
What are the Coverage of Auto Insurance Anaheim?
When you are ready to save on insurance for your vehicle, contact Coffer’s Anaheim, CA auto insurance specialists for the exact coverage amount and specifications for you. Some of the coverages include:
- Comprehensive coverage — This includes damage from a collision and everything else. Specifically, auto accidents and damage to the windshield from a rock or damage from hitting a deer. With comprehensive, pretty much everything is covered.
- Collision coverage – When you collide with another vehicle, and it is your fault, you are covered for your expenses and the other vehicle.
- Medical payments for personal injuries – If you are injured, this coverage will help pay for your medical expenses.
- Property damage – Property can be damaged, and auto insurance Anaheim will help pay for repairs.
- Under-insured or uninsured coverage – Some drivers do not have enough coverage. When there is a collision, this coverage helps offset those costs.
- Liability for bodily injury to someone else – God forsake you hurt someone when you are in an accident, bodily injury coverage helps pay for hose expenses.
For more information about our cheap auto insurance Anaheim coverage or to get a free insurance consultation, contact us today!
Great experience with Coffer. Terri has always been responsive to my needs as a customer. Rates are competitive and service is top-notch!
Called to get a quote and Terri was kind enough to help provide one! After shopping around and comparing I found they provided the best rate at a great price! Shout out to Terri, she’s the one you gotta call to help with your insurance needs!
Terri made my insurance buying task a breeze. I never had a simpler experience. Thank you.
Super efficient, clear communication and scored a much better rate for my car and renters insurance!
The Agent that helped me get the insurance I needed was polite, very professional and answered all of my questions with regard to my concerns. She was right on time! Thanks again Terri!!🤗
Terri helped me get my motorcycle insurance in order for a great low payment. Thanks Terri!
Terri was very friendly, and did a very good of finding me a better and less expensive policy. 🤗
Terri was right to the point and satisfied all my needs without going through a big spiel.
Terri has really good communications skills, is very polite and explained things really well.
Save Money on Anaheim Auto Insurance Near Me
Coffer is an independent insurance agency that shops A-rated major carriers. Shopping the best vehicle coverage rates for you is our passion.
Auto insurance policy pricing is determined by multiple factors including time. A safe Anaheim, CA driver risk decreases every year they do not have an accident. However, most people don’t review their insurance policy every year, they simply put it on auto-pay and forget about it. Unfortunately, auto insurance isn’t getting any cheaper, and this can lead to overpaying.
In 2024, the average driver will spend an astonishing $2,100 on auto insurance Anaheim. That being said, you don’t need to accept high rates from insurance companies. Additionally, there is no need to overpay for coverage you do not need.
There are many solutions and scenarios that deliver lower premiums. It’s important to work with an independent agency so they can find you the best price. An independent agent will work for you and not their Brand. Let’s look at how Coffer Insurance saves you money on your auto insurance Anaheim premiums.
1. Change How You Pay Auto Insurance Anaheim
Companies are happy when you make their job a little easier for them. One of the easiest ways you can do that is to change how (and when) you pay for your insurance. They reward you with lower premiums when you pay when they want.
Here are a few additional easy solutions to save you money on premiums:
Pay In Full: Instead of sending premium payments each month, you might want to think about paying for your car insurance in full once a year or every six months. It’s cheaper to get off a monthly payment plan since it costs the insurance company more to process your payments every single month.
Automatic Payments: Some insurance companies will give you a discount for setting up automatic auto insurance Anaheim premium payments. Additionally, you get discounts for going paperless. Auto pay helps you avoid missing payments. Furthermore, it gives you one less piece of mail to go through.
2. Increase Your Deductible
Perhaps the easiest way to lower your car insurance premiums is by raising the deductibles on your policies.
Your deductible is simply the amount you’d pay out of pocket before your insurance kicks in and pays. The lower your deductible is, the more risk your insurance company accepts to insure you. They charge you higher premiums for that extra risk. If you are a good driver and you have money in the bank, you can afford to take on more of that risk yourself by raising your deductible.
Raising your car insurance deductible by a few hundred dollars can make a huge difference. For example, by raising your auto insurance Anaheim deductible from $500 to $1,000, you could save over 15% on your premiums. Specifically, if you’re paying $1,500 each year on car insurance and raise your deductible from $500 to $1,000, you could end up saving at least $200 every single year.
3. Bundle Your Policies
Do you own a car, boat and a home? Insurance companies will reward you with lower premiums just for keeping multiple policies under the same roof. If you can’t find a cheap auto insurance Anaheim quote with another insurance company, call Coffer. We will bundle your policies together and save you moeny. This is a quick way to save up to 20% off your insurance bill.
Additionally, if your family has two or three cars in the driveway, you earn a multi-vehicle car insurance discount by having them all covered under the same policy.
4. Take Advantage of Discounts
Are you a college student? Did you serve in the Military? Have you never been in an accident? There’s a discount out there for you! There are potentially several discounts you qualify for. You just have to see what’s available.
5. Eliminate Auto Insurance Anaheim Coverage You Don’t Need
Having the right amount insurance in place is crucial to your financial plan. Most importantly, you should understand what is required, nice to have, and coverage you don’t need.
6. Consider Driving an Older, Reliable Vehicle
Many people get caught up in all the new car gadgets and amenities. However, they don’t take into consideration the cost to insure a new car. New cars are more expensive to repair and replace. Specifically, that means it costs more to insure them too.
Data suggest that you would save over 15% on an auto insurance Anaheim quote if you bought a five-year-old vehicle instead of the brand-new car. Keep this in mind when you’re looking for a new ride. Don’t let your ego get in the way of saving money.
7. Work with an Independent Insurance Agent
If you are like most people you don’t shop around for car insurance. Why is that? Interestingly, we shop around for everything else. However, when it comes to insurance we just don’t want to deal with the paperwork or the time. Surprisingly, one-third of Americans with homeowner’s or car insurance have never shopped for better coverage.
Working with an independent insurance agent makes saving money easy. We shop Anaheim auto insurance near me to find the right coverage at the best price. If you have questions about auto insurance Anaheim, please do not hesitate to talk to one of our experienced agents. Our goal is to save you time and money. Additionally, give you peace of mind that you did not overpay.
Auto Insurance FAQ’s
How do I get the best auto insurance quote in Anaheim, CA?
To get a cheap auto insurance quote in Anaheim, CA, start by exploring available discounts that can lower your premium. The insurance companies we work with offer many savings opportunities, including:
Multi-Car Discount: Save by insuring more than one car.
Multi-Policy Discount: Bundle products like auto and home or renters insurance.
Preferred Payment Discount: Opt for automatic bank payments or pay in full.
Paperless Billing Discount: Go green and receive your bill via email.
Claims/Violation-Free Discount: Maintain a clean driving record.
Military Discount: Special rates for active or retired service members.
Good Student Discount: Available for young drivers with high grades.
Telematics Programs: Programs like RealDrive, and MercuryGo can help you get a cheap auto insurance Anaheim quote.
What are the common auto coverages that I may miss with my auto policy?
Even a comprehensive auto insurance policy may leave some gaps in coverage. To ensure you’re fully protected, we will work with you to consider these optional coverages that aren’t typically included in a standard policy:
Gap Coverage: This part of your Anaheim auto insurance policy covers the difference between your car’s value and the remaining balance on your loan or lease if your car is totaled or stolen.
24-Hour Roadside Assistance: Offers support for breakdowns, lockouts, towing, or jump-starts, providing peace of mind when you’re on the road.
Rental Car Reimbursement: Helps cover the cost of a rental car while your vehicle is being repaired after an accident.
Review your current policy with your insurance provider to identify any missing areas of coverage and decide if these add-ons align with your needs.
Will my cheap auto insurance Anaheim policy cover me if I injure someone with my car?
If you cause an accident that results in injuries to others, your Liability Coverage can help pay for their medical expenses and car repairs. However, it’s important to ensure your liability limits are sufficient.
California State minimum liability coverage may not be enough for severe accidents. If the total costs exceed your policy limits, you could be personally responsible for paying the difference. During our consultation, we will discuss increasing your Anaheim auto insurance liability limits to better protect yourself from financial loss in the event of a serious accident.
Does my policy help me if my car is stolen?
If you have Comprehensive Coverage, your policy can assist in the event of car theft. Here’s how it works:
If your car isn’t found: Comprehensive Coverage pays the current market value of your vehicle, minus your deductible.
If your car is recovered: Comprehensive Coverage helps pay for necessary repairs, also minus the deductible.
In either situation, you’ll need to pay your policy’s Comprehensive deductible. Check with your provider to confirm you have this coverage and understand the terms.
Will I get a new car if mine is totaled?
If your car is totaled in a covered incident, Comprehensive and Collision Coverage can help. A car is typically considered totaled if:
It cannot be repaired to safely drive again.
Repair costs exceed the car’s pre-accident value.
Your cheap auto insurance Anaheim insurance policy will pay up to your car’s market value before the accident, minus your deductible. However, this amount may not be enough to replace your car with a new one. We will review your Anaheim insurance policy and quote considering Gap Coverage if you have an auto loan to cover any remaining balance.
Trusted Vehicle Coverage, Real Savings
Coffer Insurance has been helping Anaheim drivers save money on auto insurance since 1986. By partnering with top-rated carriers, we shop around to find the best coverage at the most competitive rates. Whether you’re a safe driver or bundling policies, we’re here to customize a plan and cheap auto insurance Anaheim quote that fits your needs and budget.
Let us take the hassle out of finding affordable insurance today. Specifically, listening to your needs, finding you the best coverage, and saving you money is what we do best. Contact us today for your consultation and free quote and start saving now.