California Auto Insurance Quotes -- To Save Massively, Implement These

Everyone out there would be quite glad to find a way of enjoying affordable California vehicle insurance rates as long as such a way does not negatively affect the quality of coverage they enjoy. Let's look at some sure-fire steps to achieving just that...

1. Some cars are very expensive to insure. Therefore, have this on your mind when you are ready to buy your next vehicle. Two factors that will force you to pay more are a car's crash rating and theft rate.

In addition, it will also take much more to insure a car that costs a lot to fix or maintain. This is my personal opinion; but it does make sense to choose a comparable car that is less expensive to insure.

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2. It will cost you much more to insure a vehicle if it has a poor safety rating. Go for vehicles that have mechanisms that increase safety. Such mechanisms attract a good discount. For more details on this and how much savings you'll realize by fixing them, talk with your agent.

3. Under-25 drivers get higher rates than any other age group. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

So you'll do well to NOT place your teenage driver on your policy. It will have an adverse effect on your rate. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

Let your teen bear the responsibility of paying for their California auto insurance. An addition argument in favor of this is that your teen will be more willing to take measures to reduce what he or she pays. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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4. Insurers give give customers who have remained loyal a long term discount and accident forgiveness. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. 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 present insurer is $2,500 you'll get a discount of about five percent or $125 if you maintain your policy with them from three years and above.

However, bear in mind that your rates may be raised to reflect the effect of inflation. But if you are someone who does regular shopping for auto insurance you will very likely get an insurance carrier within those years of waiting who will give you comparable coverage for less. In this regard, it will be pointless to continue because you want to get a discount years later when you can enjoy lower rates immediately.

It's a sure fact that most people can pay a lot less with another insurer if they will only take the time to shop extensively.. To be sure you are not loosing better offers, get and compare auto insurance quotes not less than five insurance quotes sites..

5. There are classes that are set up to make you a better driver. Participate in them. In addition to the fact that they will bring down your rate, they will make you a safer driver.

6. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. This doesn't come readily to mind when you're shopping for a new home. Does it?

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

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7. Using your parents' California car insurance policy is a good option for you an under 25. The fact that you are of driving age means that your parents belong to a lower risk age group.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. If you do not like the idea of handing the car's ownership to them and other stuff that may be attached to that, then you'll have to forget this alternative.

8. You could save several hundreds of dollars by just obtaining and comparing quotes from about five insurance quotes sites. And, it will require only about 25 minutes on the whole.
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