California Car Insurance Rates -- To Save Considerably, Apply These

Do you want a cheaper California vehicle insurance rate while maintaining the right coverage? Here are things that will help you attract big discounts easily...

1. The difference in what it will cost you to insure comparably priced vehicles could be massive. It will help a lot if you get advice from your agent before choosing your next car. Don't buy a car that has a high theft rate and/or a bad crash rating.

Also, vehicles that typically cost more to maintain also cost more to insure. This is my personal opinion; but it does make sense to opt for a comparable car that is more insurance-friendly.

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2. You will get cheaper rates if your vehicle has a higher safety rating. Does your vehicle have built-in safety features? Such features attract a good discount. Your agent can give you a list of features that will make you eligible for a discount with your insurance provider.

3. It's a known fact that young drivers attract high rates. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. It will drive it up by a huge margin. Sign an exclusion form that will allow your teen driver have his or her own policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. Teens who pay for their own auto insurance are more willing to take steps to bring it down. This by extension means that such a teen driver will be more responsible behind wheels since they bear the full cost of their actions.

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4. The longer you stick with the same insurer the more you stand to gain for two reasons: The long term discount and accident forgiveness. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

Let us assume your auto insurance premium with your current insurer is $2,500 you'll get a discount of about 5 percent or $125 if you continue for at least three years.

But because of inflation, insurers may have to make adjustments in their rates to show such changes. But if you are someone who does routine shopping for auto insurance you will very likely get an insurer within those years of waiting who will give you comparable coverage for less. Then it won't be wise to stay put because you want to become eligible for a discount down the road knowing that the expected discount is less than savings you'll get now if you switch.

But believe it or not, most folks can pay far less with another insurance company if they will only take the time to shop right.. Since the process of obtaining and comparing auto insurance quotes takes just minutes, I'll wonder why you will not do that instantly and get cheaper auto insurance rates immediately.

5. There are course that are designed to make you a better driver. Participate in them. Apart from the fact that such programs will improve your driving skills, they will show your insurance carrier that you're taking active steps to reduce your risk level.

6. Do you know that some folks are paying much more in auto insurance because of where their homes are? Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. This doesn't come readily to mind when you're shopping for a new home. Does it?

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

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7. Using your parents' California auto insurance policy is an option for you an under twenty five. The fact that you are of driving age means that your parents belong to a lower risk age bracket.

There are two things you must do to make this possible: The car must be registered in your parents' name and you must live with them. This means that by law they own the car. If the benefits of "independence" outweigh your auto insurance savings then this is certainly not an option for you.

8. Visit at least five quotes sites. Visiting a minimum of five quotes sites increase the chances that you would get more affordable auto insurance quotes. This is because offers not represented by one site would be represented by the other.

Moreover, you should understand that because your chances of getting lower auto insurance quotes has to do with the range of quotes you obtain, the more companies you obtain quotes from, the better your chances will be.

Getting your California auto insurance quotes online will help you save far more if you take out around 25 minutes to get quotes from not less than five sites.
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