7 Proven Steps For Low Cost California Car Insurance

Contrary to what you might have come to expect, you don't really have to do very difficult things in order to enjoy the most affordable California vehicle policy that gives you sufficient coverage. Just knowing a few compulsory steps and using them will make a real difference. Let's look at some of them in this article...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

Also make sure that your car is always parked in a well-lit area. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you a retired person? Then you should qualify for a retiree discount with several California insurers. The plain argument for this discount is that retirees generally drive less. A person's annual mileage is a big issue which influences what is paid in premiums. Therefore, anything that reduces your total mileage count considerably must cut down your rate.

The details for each insurance provider might differ but this is definitely an excellent way to cut down your car insurance cost. Get to know your insurance provider's stance on this. If for any reason they don't have a retiree discount, don't forget to inform your insurance agent about the change in your mileage. You should get a a cheaper rate if the difference in mileage is significant.

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. A car with a higher safety rating will get you lower rates than one with a poor rating all other things being equal. Safety features should be given more consideration when buying a new vehicle. You'll be eligible for a Safe Vehicle discount if your vehicle has such features. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights. Your agent can help you with a list of features that will get you a discount with your insurance company.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. 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. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. The savings involved should make any sacrifice you make to go through such a program well worth it. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Getting married will bring down your rate by a huge margin. Insurers have statistical data that show that people are less reckless and much more careful on the road when they get married. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

You can get lower quotes on California auto insurance now by visiting not less than five quotes sites. Each site will take you around 5 minutes or less to request quotes. (Some people fill in information that are not quite correct about themselves. That isn't wise as the quotes you'll get this way will NOT do you any good).

You'll have to choose lowest auto insurance quote for you from the list of quotes obtained. It's as simple as that. But you could easily save hundreds of dollars.
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