California Auto Insurance -- 7 Steps For Lower Rates

You'll easily pay less for sufficient coverage if you get and make use of the right recommendations. But on the other hand, if you are given the wrong tips, even though you may still make huge savings, you will do so by sacrificing the level of coverage you get. Here are some time-tested ways to pay far less without opting for inadequate coverage...

1. People who don't make claims for more than 3 years generally attract a discount for it. Some insurance companies do NOT present this discount without some pressure.

If your insurer is one of those who don't offer this discount let them know point-blank that you will switch to another insurer. As a matter of fact, you should because you'll certainly enjoy a better offer somewhere else if you've maintained a clean slate for this number of years.

And, as a matter of fact, your California insurance carrier is likely to shift grounds if they see you're really serious about changing to another company.

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2. Your rate is seriously influenced by your total mileage. So do all within your power to leave your vehicle whenever there is a viable option. This is particularly recommended for those of us who stay in cities with standard mass transit networks.

Carpooling is also another great way of cutting down your mileage.

3. Retired persons are given a special discount by many California insurance companies. You'll certainly NOT drive as much as you used to do if you are retired. Driving less will lead to lower mileage which certainly makes you a lower risk.

The details for each insurance company might be different but this is surely an excellent way to cut down your automobile insurance cost. Find out your insurance provider's policy on this from your insurance agent. If for any reason they do NOT have a retiree discount, don't forget to tell your agent about the change in your mileage. This should bring about better rates for you.

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4. Mechanisms such as automatic gas cut-off, alarms and other theft-deterrent appliances are recommended. Considering that they bring down the odds of your vehicle being stolen, they result in a sizeable discount. Thieves have a preference for easy cars.

5. People who reside in crowded areas are more likely to encounter one form of vehicle accident or another if compared to folks who reside in sparsely populated areas. If you can reside in a rural area you'll be eligible for the cheaper rates because the risk of vandalism, crash or theft is quite low in such areas.

6. Make sure your California automobile insurance policy is never allowed to lapse no matter what.. You'll attract very expensive rates for a long time if you let this happen albeit by mistake. It's easy for this to happen to many people while they are switching to another insurance provider.

A simple way to ensure you do NOT make this type of mistake is to let your old policy keep running until you're sure the new policy is in full force. It looks simple but, believe it or not, a lot of people are paying a lot more just because they were negligent in this.

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7. Do you have a car you've not driven in months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. You will save much if you really have between 25-30 minutes. Visit, obtain and compare California auto insurance quotes from various insurance quotes sites. The cheapest offer should be your choice easily.

But, you have to go beyond simply the cheapest price to the best price to value ratio. The cheapest may not be the best price/value for you as an individual.
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