7 Proven Tips For Low Cost California Car Insurance

It doesn't usually take implementing very many tips to make massive discounts while enjoying adequate California car insurance coverage. It's normally overlooked things that result in massive discounts. I'll take the pains here to share such things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you a retired person? Then you're eligible for a retiree discount with most California insurance providers. Retired persons don't get to drive to a place of work every day. A person's total mileage is an important point which determines how much they pay in premiums. So anything that brings down your total mileage count considerably should lower your rate.

Remember that you are eligible for this if you are a retired person. Get your insurer's policy on this from your agent. And, if your he/she tells you they do NOT offer this very discount, do your utmost to point out the dramatic difference in your mileage. This should bring about more affordable rates for you.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. A vehicle with a higher safety rating will get you better rates than one with a lower rating all other things being the same. Does your vehicle have built-in safety mechanisms? They will make you eligible for a Safe Vehicle Discount.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This means that high risk profiles like teen drivers will benefit a lot from this type of training. 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. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. The only easier thing for a thief would be if you handed over your keys as a gift. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Finally...

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