Seven Proven Tips For Low Cost California Auto Insurance

You don't need to do difficult things in most cases in order to lower your California car insurance rates. You may be embarrassed to find out that all that's keeping you from far more affordable rates are simple things you can quickly take care of. Let's go through a good number of them here...

1. Don't make the mistake of parking your car in places where it won't be safe. This means that you have to do all within your power to NOT park your car in a red light district. Parking your car in a garage will help you reduce your rate over time.

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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Retired persons are given a special discount by several California insurers. You'll hardly drive as frequently as you used to do the moment you are retired. This will definitely cut down anybody's mileage.

Don't forget that you are eligible for this discount if you are a retiree. Therefore it's a good thing to ask your insurance agent. If for any reason they don't have a discount like this, don't forget to tell your insurance agent about your change in mileage. You deserve a a cheaper rate if the drop in your mileage is significant.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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 car with a high safety rating will get you lower rates than one with a poorer rating all other things being the same. Go for cars that have features that improve safety. Such systems get you a big discount. To get more information on this and how much you can save by fixing them, talk with your insurance agent.

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5. Defensive driving or any other special driving program approved by your insurer will get you discounts. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short 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. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. 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. Remember, they look for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You can lower your auto insurance rates by getting and comparing quotes from at least five reputable insurance quotes sites.
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