7 Proven Tips For Affordable California Car Insurance

Contrary to what you might have been told, you don't really need to do very difficult things in order to get the most affordable California car policy that gives you sufficient coverage. It's usually little things that bring about huge discounts. Let's look at some of them in this article...

1. Make sure your car is always parked in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. I hope you also know that you'll pay less if you have a garage for your car.

Also make sure that your car is always parked in a well-lit area.

Insurance Quote

2. Retirees are given a special discount by many California insurance providers. Retired persons do NOT get to drive to work on a daily basis. A driver's total mileage is a big factor which determines how much is paid in premiums. So any event that reduces your annual mileage considerably must reduce your rate.

Don't forget that you qualify for this discount if you are a retired person. Get your insurance provider's stance on this. If for any reason they do NOT have a retiree discount, don't forget to inform your insurance agent about the change in your mileage. You are entitled to a reduction in rate if the drop in mileage is significant.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. You'll spend less on auto insurance if your car is considered to have a higher safety rating. Does your vehicle have built-in safety features? Such systems attract a good discount. Your agent can help you with a list of features that will get you a discount with your insurance company.

Cheapest Car Insurance

5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This is particularly important for high risk profiles. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. And, don't forget to tell your agent once you complete the course.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This is an open invitation to any thief sniffing around. Car thieves are known to go for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

Cheap Auto Insurance

Bonus tip...

You can get lower quotes on California auto insurance now by visiting not less than five quotes sites. Each site will take you about 5 minutes or less to obtain quotes. (Some folks fill in details that is not quite correct about themselves. That is NOT a smart move since the quotes you'll get this way won't be of any use to you).

You'll simply select lowest auto insurance quote for you from the list of quotes received. It's as simple as that. Nevertheless you could get savings hundreds of dollars.
Get That Free Quote Now
Free auto Insurance Quotes For You