California Auto Insurance -- 7 Steps For Lower Rates

With the right advice you'll get cheaper rates for adequate coverage. But also bear in mind that you could make savings if you get the wrong tips. The only thing is that you'd put yourself at risk. If you are interested in tips that you can make use of to save much and still maintain adequate coverage, read the following...

1. Remaining without making claims will qualify you for a good driver discount. Several insurance companies may not give this discount without some pressure.

If your agent says that they don't offer this discount let him or her know that you will go to another insurance carrier. With this quality of driving record getting a much cheaper rate is definitely quite easy because policy holders who stay claims free are every insurer's dream.

And, as a matter of fact, your California insurance carrier is likely to have a rethink if they see you are really serious about switching.

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2. grab every opportunity to NOT drive your car since this will reduce your mileage and, by extension, your rate. This is especially true for those of us who live in cities with modern mass transit networks.

Joining a carpool is equally another great way of reducing your mileage.

3. Retirees are offered a special discount by a good number of California insurance companies. Retired folks don't have to drive to a place of work every day. A driver's annual mileage is a big point that affects what they pay in premiums. So any event that brings down your total mileage count considerably should cut down your rate.

Remember that you are eligible for this discount if you are a retired person. Therefore it is recommended that you discuss this with your insurance agent. And, if your agent tells you they do NOT offer this very discount, do your best to point out the big difference in your mileage. Unless the drop in your mileage isn't big enough, you should switch to another insurer if you are NOT given a discount.

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4. There are many anti-theft gadgets like automatic gas cut-off system, alarm systems and more. Considering that they bring down the odds of your vehicle being stolen, they attract a reasonable discount. Thieving rats have a preference for easy cars.

5. Folks who live in crowded areas are more likely to encounter one type of vehicle accident or another when compared to folks who stay in sparsely populated areas. If you can make your residence in a rural area you'll get the cheaper rates since the risk of vandalism, crash or theft is really low in such places.

6. Do your utmost to always make sure your California auto policy never lapses. You'll attract more expensive rates for a considerable length of time if you let this happen albeit by mistake. It's easy for this to happen to many individuals when they are changing to another insurer.

Don't terminate your previous policy until the new one is fully functional and you'll not make this costly mistake. Many individuals are paying more than they would otherwise simply because they made this mistake. So do take care so you don't become one of them.

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7. Do you have a car you've not driven in months? Do you have a broken car? 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. Don't make this mistake.

8. Visit a minimum of five insurance quotes sites. Requesting quotes from at least five quotes sites increase the chances that you would obtain better auto insurance quotes. This is because insurers not covered by one site will be represented by another.

And, you know that since your chances of getting lower auto insurance quotes has to do with the number of quotes you get, the more companies you obtain quotes from, the higher your chances will be.

Getting your California auto insurance quotes online will help you save a bundle if you sacrifice just 25 minutes to get quotes from a minimum of 5 insurance quotes sites.
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