California Vehicle Insurance -- 7 Steps For Cheap Rates

You will easily spend less for the right coverage if you have and implement the right recommendations. But also bear in mind that you could make savings if you get the wrong tips. The only difference is that you'd put yourself at risk. Here are some proven ways to get cheaper rates without putting yourself at risk...

1. There is something called the "good driver discount." This for people who have not made a claim for 3 years and above. But don't be taken aback if your agent tells you your vehicle insurance provider does not give this discount.

Your agent should be made to realize your dissatisfaction with their refusal to give you such a discount and do NOT forget to point out that you might switch to another insurance carrier. As you well know, every insurance provider likes having insureds who stay claims free for this long and you shouldn't find it hard landing lower rates with a number of other insurance companies.

However, oftentimes a serious threat of leaving from you is enough to make them shift grounds.

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2. Drive as little as possible as it will lower your mileage and qualify you for a low mileage discount. This is especially recommended for people who stay in cities with standard mass transit systems.

Joining a carpool is equally another smart way of reducing your mileage.

3. several California insurers offer a retiree discount. Retired people don't have to drive to a place of work every day. A driver's total mileage is a strong point that determines what they pay in premiums. So anything that reduces your annual mileage by a big margin should lower your rate.

The fine points for each insurer might be different but this is surely an excellent way to cut down your auto insurance rate. You can find out details from your agent. And, if your agent says they do NOT offer this particular discount, do your best to report the dramatic difference in your mileage. This should result in more affordable rates for you.

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4. Features such as automatic gas cut-off, alarms and other theft-deterrent appliances are helpful. The risk of theft is an important parameter that determines your rate. And since these devices lower the chances, you'll receive a good discount for them. Thieving rats will think twice before attempting to go for a car with anti-theft mechanisms.

5. You will spend far more on car insurance if you live in Tampa Florida than you would if you lived in some rural area. Rural areas attract far better rates because they are less exposed to risks of vandalism, theft, collision and such problems that are generally associated with densely populated areas.

6. Make sure your California car insurance policy is not allowed to lapse no matter what.. You'll attract very expensive rates for a considerable length of time if you let this happen albeit mistakenly. Don't make room for this mistake if you're changing insurers since that's when this happens to many folks.

A simple way to be certain you do NOT make this type of mistake is to maintain your old policy until you've confirmed that the new policy is in full force. Many individuals are paying higher rates than they should just because of this mistake. Therefore, make sure you don't become one of them.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Is one of your cars been covered in the garage for up to six months because it's broken? Have you removed it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. I hope this is not the case with you.

8. You could save some hundreds of dollars by just obtaining and comparing quotes from not less than five insurance quotes sites. And, it will require only a total of 25 minutes.
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