California Car Insurance Rates -- Tips For Massive Savings

Contrary to what you might have thought, it is quite easy to get an affordable rate. The only things that that keep you from getting a cheaper rate now are the right information and a determination to use the information you get -- Period. We'll now take a look at a number of proven ways to get this done...

1. You'll reduce your California auto insurance premium if you have an excellent credit rating. A poor credit history will attract higher auto insurance rates. There are many reasons for this but this one is prominent among them: If you have a poor credit history then it could only mean you have defaulted in payments somewhere. The truth is that they believe that the probability of you missing payments of your premiums is very high. Once you're noted as a higher risk you will get more expensive auto insurance premiums.

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2. A multi-policy discount is one proven way to bring down your total insurance cost. All you are expected to do to become eligible for this is to purchase your California auto insurance policy from the very insurer that is handling, for example, your home owners insurance.

Nevertheless, I must emphasize that you may not save as much as you might by changing to another insurer. Getting quotes and comparing offers out there with what you'll save are very recommended steps. When you're done, you won't be be taking chances as you choose which to do since you know for sure which saves you more.

3. If you maintain collision and/or comprehensive for an old car which isn't a classic, then you are paying a lot more than you should. Your car's Kelly Blue Book value at point of filing claims (and not the cost of the car when you bought it) is what determines what you will be reimbursed by an insurance carrier. Therefore, you will paid nothing if that book says that your car is worth nothing at the time of a claim.

Therefore, do yourself a favor and remove these types from your California car insurance policy for all old vehicles. This simple step will save you much and not compromise you at the same time.

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4. We all are aware of the fact that hardly any other age group pays as much for California car insurance as those who are below 25 years of age. However, one thing you can do to enjoy more affordable rates if you fall into this age range is keep getting good grades.

You need to have a grade point not lower than B to enjoy a good student discount. This attracts a discount of about five percent. Experience has proven to insurers that what makes a student maintain good grades is a level of responsibility which is also carried behind wheels. Reckless students are not likely to keep getting excellent grades.

5. Features such as automatic gas cut-off, alarms and other anti-theft devices are encouraged. Since they bring down the likelihood of your vehicle being stolen, they attract a reasonable discount. Thieving rats will think twice before attempting to go for a car with anti-theft devices.

6. There are cars that cost much more to insure. It will be a wise move if you get advice from your agent before buying your next vehicle. Don't buy a car that has a high theft rate and/or a bad crash rating.

Also, cars that typically cost more to repair also cost more to insure. With such diligence you can avoid buying a car that will cost you much in higher rates over a few years.

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7. Those who stay in densely populated cities are more likely to encounter one form of auto accident or another if compared to those who reside in rural areas. Sparsely populated areas attract far lower rates since they're less susceptible to risks of vandalism, theft, collision and other challenges that are usually typical of urban areas.

8. Visit a minimum of five quotes sites. Visiting not less than five quotes sites raise the chances that you would obtain better auto insurance quotes. This is because insurance companies not covered by one site will be represented by the other.

Moreover, you should understand that since your chances of getting lower auto insurance quotes has to do with the number of quotes you get, the more companies you obtain quotes from, the brighter your chances will be.

Requesting for your California auto insurance quotes online will help you save far more if you take out only 25 minutes to get quotes from at least five sites.
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