7 Proven Tips For Cheap California Auto Insurance

Contrary to what you might have heard, you don't really need to do very great things in order to attract the most affordable California auto policy that gives you adequate coverage. It's normally overlooked things that result in big savings. I'll take some time out in this article to show you such things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Many California insurance providers give a retiree discount. You will definitely NOT drive as much as you used to do once you retire. A person's annual mileage is a strong issue that influences how much they pay in premiums. So anything that brings down your annual mileage by a big margin should lower your rate.

Note that you are eligible for this discount if you are retired. So it's a good thing to discuss this with your agent. If for some reasons they do NOT have a discount like this, remember to tell your agent about your change in mileage. Except where the drop in your mileage isn't big enough, you should shop for another insurance provider if you are NOT given a decent discount.

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?

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. A vehicle with a high safety rating will make you eligible for cheaper rates than one with a poor rating all other things being the same. Safety features should receive top consideration when buying a new vehicle. Such systems attract a big discount.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. 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. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. 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. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

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. This is an open invitation to any thief sniffing around. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Finally...

While you take these other steps to lower your auto premium, here's what to do to get lower rates today: Visit reputable quotes sites and get quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you fill the questionnaires on each site. The last step is to just pick the offer that represents the best price/value from the quotes you receive.
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