Cheap California Car Insurance -- Tips For Lower Rates

A number of ways of reducing your rates actually reduce the scope of coverage you get and so are NOT recommended. But here's a better way: Implement the correct steps and do certain things right and you'll get considerable discounts Following are recommendations that are good for you...

1. You can reduce your California vehicle insurance premium by taking advantage of a multi-vehicle discount. Nevertheless, there are several cases where you'll make more savings by insuring each car with different insurance carriers. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is an easy way to be sure if this is in your best interest. But if you don't intend to shop around, you can be sure that you'll still save considerably with a multi-vehicle discount.

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2. We all are aware of the fact that hardly any other age bracket pays as much for car insurance as drivers who are less than 25. However, one thing you can do to enjoy cheaper rates if you belong to this age group is keep getting good grades.

To enjoy it, however, you must keep getting at least a "B" grade. This will shave off up to five percent from your rate if you make yourself eligible. Reckless students are not likely to maintain good grades.

3. Several California insurers will hand you a discount if a child on your auto insurance policy gets into college and doesn't drive the car at that period. If this this is the case with your kid in college then don't fail to tell your agent about it. I must stress, though, that a number of insurance carriers don't offer this.

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4. Those who live in crowded cities are more likely to experience one type of car accident or another when compared to people who live in sparsely populated areas. If you can stay in a sparsely populated area you will attract the cheaper quotes since the risk of vandalism, crash or theft is so low in such areas.

5. It's a known fact that young drivers attract high rates. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will drive it up by a huge margin. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. The full implication of this is that your teen will be a lot safer as they'd do their best to avoid inflating their rates.

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6. You can get lower rates on California auto insurance today by visiting a minimum of five insurance quotes sites. Each quotes site will take you about 5 minutes or less to obtain quotes. (Some people present information that are not really true about themselves. That isn't smart as the quotes you'll get this way will NOT do you any good).

You'll have to pick lowest auto insurance quote for you from the list of quotes received. That's all there is to it. However, you could easily save hundreds of dollars.
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