Affordable California Car Insurance Rates -- Time-Tested Tips You Mustn't Overlook

Cheaper California car insurance rates are easy to get if you get and use the right tips. Let's begin with these...

1. An outstanding credit rating will reflect in your favour with respect to your California car insurance rate. A poor credit history will attract higher car insurance rates. This is because insurers see people who miss payments as reckless and a bigger risk to them. Once you are seen as a higher risk you will attract more expensive auto insurance rates.

2. Ask your agent personally about all the discounts possible with with your present California insurance carrier.
It is possible that your agent might have overlooked a discount you're eligible for. The only way to be sure this is not true in your case is by asking your agent to list out every discount that your preferred insurance carrier offers. Do not be surprised if you hear of discover that you've never heard of.

3. Staying loyal to one California insurer for any period will actually lead to savings. A number of insurers will give you discounts of around 5% once you stick to them for over 3 years while others will give you discounts for staying up to 5 years. The more you stick with the same insurance company, the more the discount you'll attract.

But in spite of the fact that it's a decent way to save, you may get more savings if you ignore this discount and get another insurance company....

Say, for example, that your California auto insurance premium with your present insurance provider is $2,500 you will get a discount of about 5% or $125 if you stay from three years and above.

Within the course of these three years you would most likely get an insurance provider who'll offer you a similar auto insurance coverage or better for under $2,000. In such a case, it is of no value to stay put because you are after a loyalty discount down the line when you can pay less at the moment.

And, in most cases, most folks will actually pay cheaper rates than they are currentl on auto insurance if they shop right.. Considering that the process of obtaining and comparing auto insurance quotes takes just minutes, I will wonder why you won't do that instantly and get cheaper car insurance rates immediately.

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