California Automobile Insurance -- 7 Steps For Lower Rates

With the right tips you'll get cheaper rates for adequate coverage. It is as well important that I point out that there are steps that might put you at risk even if they help you make savings for now. Here are some sure ways to get cheaper rates without putting yourself at risk...

1. Drivers who do NOT make claims for over three years normally get a special discount for it. But don't be alarmed if your agent tells you your vehicle insurance provider doesn't offer this discount.

If your insurance carrier is one of the few who don't give this discount tell them point-blank that you will switch to another provider. With this kind of driving history finding a far better rate is definitely quite easy because claims-free policy holders are every insurance company's dream.

However, more often than not the threat of switching from you is enough to force them to shift grounds.

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2. Take every opportunity to avoid driving your car since this will reduce your mileage and, by consequence, your rate. This is especially recommended for folks who reside in cities with modern mass transit systems.

Carpooling is also another great way of reducing your mileage.

3. Many California insurance carriers give a retiree discount. Retired persons do NOT need to drive to work on a daily basis. Driving less will result in lower mileage which surely makes you a lower risk.

This discount is certainly not one any retired person should overlook. Get your insurance carrier's position on this from your insurance agent. And, if your agent tells you they do NOT have this particular discount, do your best to point out the remarkable change in your mileage. You are entitled to a lower rate if the difference in mileage is big.

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4. Mechanisms like automatic gas cut-off, alarms and other theft-deterrent appliances are helpful. They should get you an anti-theft discount for the simple reason that they make it less likely that you car will be stolen. Thieves will think twice before attempting to steal a vehicle with anti-theft devices.

5. You'll pay far more on auto insurance if you stay in Los Angeles than you would if you lived in some rural area. If you can stay in a sparsely populated area you'll be eligible for the cheaper quotes since the risk of vandalism, crash or theft is very low in such areas.

6. Do your utmost to always ensure your California car policy does NOT lapse. It will sentence you to high premiums for a long time. This happens to some folks when they are changing over to another insurance company.

To avoid this, wait until the new policy is fully in in force before you cancel the old. It appear to be simple but, believe it or not, a lot of individuals are paying higher rates today simply because they overlooked this.

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7. Do you have a car you've not driven in months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. The most vital key to considerable savings in auto insurance is comparison shopping -- Provided that you do it well. You can get quotes that will have a range in excess of $1,000. You could quickly save that much by simply choosing the lowest quote. This should apply if you're simply after the lowest price.

However, if you want the best price/value then you would have to check the details of the lowest offers. Different insurers may have adjustments for similar policies. It's wise to ask the agent what's part of the deal and what's not.
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