Seven Tested Steps For Affordable California Auto Insurance

You don't have to do exceptional things in most cases in order to lower your California vehicle insurance rates. Just understanding some compulsory steps and applying them will make a huge difference. Let's go through a good number of them here...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. I hope you also know that you'll pay less if you have a garage for your car.

And, lest I forget, if you drive out in the night do your best to have your car parked in a well-lit area. That will deter thieves. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are given a special discount by many California insurance providers. You'll definitely NOT drive as much as you used to do if you are retired. This will definitely lower anybody's mileage.

Don't forget that you qualify for this discount if you're a retired person. So it's important to discuss this with your insurance agent. And, if your agent tells you they don't offer this particular discount, do your utmost to report the dramatic change in your mileage. Unless the drop in your mileage isn't significant, you should shop for another insurance provider if you don't get a discount.

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. By the way, your credit card might already offer this as a benefit so check.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

4. You will get cheaper rates if your car has a higher safety rating. Safety features should receive top consideration when shopping for a new car. Such features get you a reasonable discount. For more details on these and how much savings you'll realize by fixing them, talk with your insurance agent.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

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. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. 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. The only easier thing for a thief would be if you handed over your keys as a gift. Remember, they look for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You might save some hundreds of dollars by simply receiving and comparing quotes from not less than five quotes sites. And, it will require just about 25 minutes on the whole.
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