Seven Sure-Fire Steps For Affordable California Vehicle Insurance

Contrary to what you might have heard, you don't really have to do very exceptional things in order to attract the cheapest California vehicle policy that gives you adequate coverage. You may be embarrassed to find out that all that's keeping you from far lower rates are little things you can easily take care of. Let's go through some of them here...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark.

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2. several California insurance carriers offer a retiree discount. You'll hardly drive as much as you used to do the moment you retire. Driving less will result in lower mileage which definitely makes you a lower risk.

Don't forget that you are eligible for this discount if you're retired. Therefore it's a good thing to discuss this with your insurance agent. Even if you don't call it a retiree discount, telling them of a dramatic reduction in mileage is recommended. Unless the difference in your mileage isn't big enough, you should shop for another insurance carrier if you are NOT given a discount.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. A car with a high safety rating will make you eligible for better rates than one with a poorer rating all other things being the same. Does your car have built-in safety features? They will qualify you for a Safe Car Discount. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights. For more information on this and how much savings you'll realize by fixing them, discuss with your agent.

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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 is particularly important for high risk profiles. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. Therefore, do your best to get trained in defensive driving from a recognized center. 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. They generally file fewer claims and when they do, they usually cost less.

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 simple act makes it very easy for thieves. Every thief checks how easy a target is before making a move. An unlocked car with the engine running? What could be easier?

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Bonus tip...

The most important route to considerable savings in auto insurance is comparison shopping -- Given that you do it well. You can get quotes that will have a difference in excess of $1,000. You could quickly save that much by simply going with the lowest quote. This should apply if you're simply after the lowest price.

Howbeit, if you want the best value to price ratio then you would have to look at the details of the lowest quotes. Different insurers may have adjustments for similar policies. It's important that you ask the agent what's part of the deal and what's not.
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