California Vehicle Insurance Quotes -- To Save Considerably, Try These

We all will be pleased to get a very affordable California vehicle insurance rate that comes with adequate coverage. But how can this be achieved? Let's look at some sure-fire ways of getting just that...

1. The difference in what it will cost you to insure similar cars could be much. So have this on your mind when you go to shop for your next car. Don't buy a car that has a high theft rate and/or a bad crash rating.

Also, cars that generally cost more to repair also cost more to insure. Asking the right questions will help you avoid expensive-to-insure cars and get cheaper rates.

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2. You will get cheaper rates if your vehicle has a higher safety rating. Go for cars that have systems that increase safety. They'll make you eligible for a Safe Car Discount. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more information on these and how much savings you'll realize by having them, consult your agent.

3. Under-25 drivers get higher rates than any other age group. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. It will have an adverse effect on your rate. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

Let your teen bear the responsibility of paying for their California auto insurance. Teens who pay for their own auto insurance are more willing to take steps to bring it down. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Depending on the insurer, you'll be eligible for a discount of 5% once you've stayed with them for between three and five years.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. Insurers offer these as incentives to keep you with them since it serves them better too.

Just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

Assuming your auto insurance premium is $2,500 and you are given a 5 percent discount when you maintain a policy with them for up to five years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

But we can almost say with some confidence that because of inflation your rate might not remain the same. But while you are at it, an insurer somewhere could be ready to offer a rate of $2,000 or less within that period. If this is correct about you then you know it's wise for you to go for the more affordable offer immediately and not wait for years to qualify for a discount that will not even save you as much.

Furthermore, in nearly all cases, most people will actually pay cheaper rates than they are presently on auto insurance if they do extensive shopping.. Considering that the process of obtaining and comparing auto insurance quotes takes just minutes, I will wonder why you will not do that now and get cheaper auto insurance rates right away.

5. Complete a defensive driving class. Apart from the fact that they will help lower your rate, they will make you a safer driver.

6. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So check with your agent before you commit to a new home. I know: That isn't usually an issue when you're looking for a home but it's really important.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

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7. As an under 25, you can pay lower California car insurance rates if you use your parents' policy. The fact that you're of driving age means that your parents belong to a lower risk age group.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. This means that they legally own the car. If the benefits of "independence" outweigh your auto insurance savings then this is definitely not an option for you.

8. You can reduce your auto insurance costs by getting and evaluating quotes from at least five reputable insurance quotes sites.
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