California Auto Insurance -- Seven Tips Cheap Rates

With the right recommendations you'll get more affordable rates for sufficient coverage. But also bear in mind that you could make savings if you use the wrong tips. The only thing is that you will be compromised in the quality of coverage you get. If you are interested in tips that you can make use of to save much and still maintain adequate coverage, continue reading...

1. There is something referred to as "good driver discount." It is for policyholders who have not made claims for 3 years and above. But don't be alarmed if your insurance agent says that your auto insurance provider doesn't give this discount.

If your insurance provider is one of those who don't offer this discount tell them point-blank that you will move over to another provider. Really, you should because you will definitely enjoy a better offer somewhere else if you've kept a clean slate for this long.

And, believe it or not, your California insurance carrier is likely to shift grounds if they see you are quite serious about switching.

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2. grab every opportunity to NOT drive your vehicle since this will cut down your mileage and, by consequence, your rate. This applies more to those whose occupation and location make it easy for them to use standard mass transit systems.

Joining a carpool is also another great way of bringing down your mileage.

3. several California insurance providers offer a retiree discount. Retired folks do NOT have to drive to work every day. Driving less means lower mileage which certainly makes you a lower risk.

This savings option is surely not one any retiree should overlook. Get your insurance carrier's policy on this. If for some reasons they don't have a retiree discount, remember to inform your agent about the change in your mileage. You deserve a reduction in rate if the drop in mileage is big.

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4. There are a number of theft-deterrent mechanisms such as alarm systems, automatic gas cut-off system and more. Since they lower the probability of your car being stolen, they result in a considerable discount. Thieves prefer easy targets.

5. Folks who reside in crowded areas are more likely to experience one type of car accident or another when compared to people who live in rural areas. It is advisable to make your residence in a sparsely populated area if it suits you since the likelihood of vandalism, theft or an auto accident is much less.

6. Do your best to always make sure your California auto policy does NOT lapse. You'll get very expensive rates for a long time if this happens to you albeit inadvertently. Don't allow this mistake while changing insurers since that's when this happens to many folks.

One way to be certain you do NOT make this costly mistake is to maintain your old policy until you've confirmed that the new policy is fully in place. Many people are paying higher rates than they would otherwise just because of 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 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?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

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

Nevertheless, you have to look beyond simply the cheapest quote to the best price to value ratio. The cheapest may not offer the best price/value for you as a person.
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