Cheap California Car Insurance Rates -- Guaranteed Tips You Can't Overlook

Do you want to get the cheapest California car insurance rates? Then make sure you get the right tips. Here are some you mustn't miss...

1. You'll reduce your California auto insurance cost if you have an excellent credit rating. Those who have bad credit pay higher premiums for all forms of insurance and that is also true for auto. The plain reason for this is that there is a general consensus among most insurers that there is a link between bad credit histories and high risks. This means more risk to them and more expensive premiums for you.

2. Do you know of every discount that your insurance carrier offers?
Your agent may, choose to overlook some discounts that are available to you. The only way to be sure it's false in your case is by telling your agent to list out every discount that your preferred insurance carrier offers. You might be astonished at discounts you have not benefited from.

3. It pays to be loyal to the same California insurer. A number of insurers will give you discounts of around five percent once you stick to them for over 3 years while others will give you discounts for staying up to 5 years. A longer stay will attract bigger discounts.

However, you may be better served by switching....

Let usassume, that you are given a five percent (or $125) discount after your third year with an insurer where you present California auto insurance premium is $2,500.

But while you're at it, some other insurer could be ready to give you a rate of $2,000 or less within that period. Then it would be anything but wisdom to stay put because you want to qualify for a discount down the road even if the expected discount is less than savings you'll get immediately if you change to another insurer.

You'll most likely pay less if you take the time to shop right since there are hundreds of insurers out there. In order to know if you're not loosing a better deal, get and compare auto insurance quotes from up to five insurance quotes sites.

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