7 Tested Tips For Affordable California Auto Insurance

Contrary to what you might have heard, you don't really have to do very difficult things in order to get the cheapest California auto policy that gives you sufficient coverage. Just understanding some compulsory things and using them will make a real difference. I'll take the pains in this article to reveal such things...

1. Make sure your car is always parked in a safe place. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area.

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2. Many California insurance carriers give a retiree discount. The simple logic for this discount is that retired persons normally drive less. This will effectively bring down anybody's mileage.

The fine points for each insurance carrier might differ but this is surely an excellent way to lower your auto insurance cost. So it's a good thing to discuss this with your insurance agent. And, if your he/she says they do NOT have this particular discount, do your utmost to point out the dramatic difference in your mileage. This should result in cheaper rates for you.

3. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. You'll pay less if your car has a higher safety rating. Select vehicles that have mechanisms that increase safety. They'll qualify you for a Safe Car Discount. Examples of these safety mechanisms are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. So as much as possible, become a defensive driver especially if you under 25. 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. Getting married will bring down your rate by a huge margin. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

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. The only easier thing for a thief would be if you handed over your keys as a gift. Remember, they look for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Bonus tip...

While you take these other steps to lower your auto insurance costs, here's what to do to receive lower rates now: Visit good insurance quotes sites and obtain quotes.

Visit at least five of such sites for the best results. It's free, quick and easy. Please make certain you give your correct details as you fill the questionnaires presented. Thereafter, simply pick the quote that gives you the best price/value from the quotes you've obtained.
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