California Auto Insurance -- 7 Tips Lower Rates

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

1. Drivers who do NOT make claims for over 3 years generally attract a discount for it. Some insurance companies don't give this without some coercion.

If your insurance agent says that they do NOT give this discount let him or her know that you will go to another insurer. As you well know, every insurance provider likes having people who remain claims free for these number of years and you shouldn't have any difficulty finding lower rates with many other providers.

But oftentimes the threat of leaving from you will be enough to make them give a concession.

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2. grab every opportunity to NOT drive your car since this will reduce your mileage and, by extension, your rate. This is relevant more to folks whose occupation and location make it easy for them to use modern mass transit systems.

You can also cut down your mileage by joining a carpool.

3. Retired persons are given a special discount by many California insurance providers. You will certainly NOT drive as often as you used to do the moment you retire. This will effectively bring down anybody's mileage.

Don't forget that you are eligible for this if you are retired. Do find out details from your insurance agent. Even if you don't refer to it as retiree discount, registering a remarkable decrease in mileage is advisable. Except where the change in your mileage isn't considerable, you should shop for another insurance carrier if you don't get a decent discount.

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4. There are a number of theft-deterrent mechanisms such as automatic gas cut-off system, alarm systems and stuff like that. The risk of theft is a crucial factor that influences your rate. And since these mechanisms reduce the chances, you'll get a good discount if you have them. Thieving rats have a preference for unprotected cars.

5. It's more affordable to insure a car if you live in a sparsely populated area. If you can make your residence in a sparsely populated area you'll be eligible for the better rates since the risk of vandalism, crash or theft is so low in such places.

6. Ensure your California vehicle insurance policy is never allowed to lapse no matter what.. People who allow this to befall them get higher rates for a long time. This happens to some individuals while they are changing over to another insurance carrier.

Don't terminate your previous policy until the new one is fully functional and you'll avoid this costly mistake. It looks simple but, believe it or not, many people are paying higher rates today just because they made this mistake.

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7. Do you know that you might be losing money if you have a car that you've not used for months? Do you have a car that you've just forgotten about because of the headaches it gives you or something? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

8. You can lower your auto insurance premium by getting and evaluating quotes from at least five reputable quotes sites.
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