California Auto Insurance Rates -- To Save Much, Try These

Everyone in their right mind would be really happy to find a way of enjoying cheaper California car insurance rates as long as such a way does not downgrade the quality of coverage they get. Let's explore several proven steps to getting just that...

1. There are cars that cost far more to insure. It will do you a world of good if you get advice from your agent before choosing your next car. Don't buy a car that has a high theft rate and/or a poor crash rating.

Another thing to find out is the cost of maintaining a car because it is as well a factor that affects your premium. Asking the right questions will help you avoid expensive-to-insure cars and enjoy more affordable rates.

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2. A vehicle with a high safety rating will get you better rates than one with a lower rating all other things being the same. Does your car have built-in safety features? Such mechanisms attract a good discount. Your insurance agent can help you with a list of safety systems that will get you a discount with your insurance carrier.

3. It's a known fact that young drivers attract high rates. Worse still, if they are teenagers their auto insurance rates could be really high.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will drive it up by a huge margin. Sign an exclusion form that will allow your teen driver have his or her own 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. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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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.

Furthermore, if a long term policy holder files just one claim, most insurers will NOT raise their rates thereafter. 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.

Say, for example, that your auto insurance premium with your current insurer is $2,500 you will get a discount of about five percent or $125 if you stay from three years and above.

But due to inflation, insurance companies may have to re-adjust their rates to contain those changes. Between these three years you would most likely get an insurer who will give you the same auto insurance coverage or better for less than $2,000. Then it won't be wise to stay put because you want to become eligible for a discount down the road knowing that the expected discount is less than savings you'll get now if you switch.

But believe it or not, most people can pay a lot less with another insurance company if they will only make out time to shop properly.. Considering that the process of obtaining and comparing auto insurance quotes requires just minutes, I will wonder why you will not do that instantly and get more affordable auto insurance rates immediately.

5. Participate in a defensive driving course. In addition to making you a better driver, they will make you eligible for a discount with your insurer provided such a course is recognized by them.

6. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

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.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

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7. As an under 25, you can pay lower California car insurance rates if you use your parents' policy. If you are of driving age, then your parents certainly are far above twenty five years which means they're better risk drivers.

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

8. You can save a lot of dollars by visiting not less than 5 quotes sites. That way, you will make it most likely that you'll get all the lowest California auto insurance quotes available as five sites will give not less than 25 quotes altogether.
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