California Auto Insurance -- Seven Tips Lower Rates

Anyone who uses the right tips will easily attract more affordable rates without sacrificing sufficient coverage But also note that you could save if you use the wrong tips. The only difference is that you'd put yourself at risk. I will, nevertheless, only make recommendations that will save you much while you still keep enjoying adequate coverage...

1. There's something referred to as "good driver discount." This for drivers who haven't made claims for three years and more. But don't be surprised if your insurance agent tells you your vehicle insurance company doesn't offer this discount.

If your insurance agent tells you that they don't offer this discount indicate that you might switch to another insurer. Believe it or not, every insurer likes having folks who stay claims free for this long and you shouldn't find it hard landing better rates with a number of other insurance companies.

And, as a matter of fact, your California insurer is likely to give a concession if they discover you are really serious about changing to another company.

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2. Drive as little as possible since it will reduce your mileage and qualify you for a low mileage discount. This definitely advisable if you reside in an urban area where you have access to modern mass transit networks.

You can also cut down your mileage by carpooling.

3. Retirees are offered a special discount by a good number of California insurers. Retired folks don't need to drive to a place of work every day. Driving less will result in lower mileage which certainly makes you a lower risk.

Remember that you are eligible for this if you are a retiree. So it is a good thing to discuss this with your agent. If for any reason they don't have a discount like this, don't forget to inform your agent about the change in your mileage. Unless the change in your mileage isn't big enough, you should look for another insurance carrier if you don't get a decent discount.

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4. Features like automatic gas cut-off, alarms and other anti-theft appliances are encouraged. The chances of theft is a strong factor that affects your rate. And since these lower the odds, you'll get a sizeable discount if you have them. Vehicles without those mechanisms are easy targets for thieving rats.

5. You'll spend much more on auto insurance if you live in Los Angeles than you would if you lived in some rural town. It makes sense to make your residence in a less congested area if it suits you because the likelihood of vandalism, theft or an auto accident is far lower. The more densely populated where you live is, the more expensive your rates.

6. Make sure your California automobile insurance policy is not allowed to lapse no matter what.. You'll pay more expensive rates for a long time if you let this happen albeit mistakenly. It's easy for this to happen to many people when they are switching to another insurance provider.

To avoid this, ensure the new policy is fully in operational before you terminate the old. As simple as this may seem, a lot of folks are bearing the pain of exorbitant rates because of this silly little oversight.

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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. Don't make this mistake.

8. You can get better rates on California auto insurance now by visiting at least five insurance quotes sites. Each quotes site will require about 5 minutes or less to request quotes. (Some people give details that is not really true about themselves. That is NOT wise since the quotes you'll get this way won't do you any good).

You'll have to pick the best auto insurance quote for you from the list of quotes you've obtained. That's all there is to it. However, you could realize savings hundreds of dollars.
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