7 Proven Tips For Low Cost California Car Insurance

Contrary to all you might have heard, you don't really need to do very great things in order to get the most affordable California car policy that gives you sufficient coverage. Just knowing some compulsory steps and implememting them will make a real difference. Let's look at a good number of them here...

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. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

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. Retired persons are offered a special discount by many California insurers. You will most like NOT drive as much as you used to do if you are retired. This will certainly bring down anybody's mileage.

This discount is surely not one any retired person should pass on. Do learn more about the finer points from your agent. Even if you don't call it a retiree discount, registering a remarkable decrease in mileage is necessary. Except where the difference in your mileage isn't big enough, you should switch to another insurance provider if you are NOT given a decent 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.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. A vehicle with a higher safety rating will make you eligible for cheaper rates than one with a lower rating all other things being equal. Safety ratings should receive top consideration when shopping for a new vehicle. They will make you eligible for a Safe Vehicle Discount. 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 safety devices that will get you a discount with your insurer.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This is particularly important for high risk profiles. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just 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. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. 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 is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Finally...

You will save more by visiting not less than 5 quotes sites. That way, you'll be able to get the lowest California auto insurance quotes available because five sites will present not less than 25 quotes altogether.
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