Cheap California Car Insurance Rates -- Tips That Will Help You Pay Far Less

With the right tips, cheaper California car insurance rates will be yours to pick from. Let's start with the following...

1. An excellent credit rating will reflect in your favour with respect to your California car insurance rate. A bad credit record will cost you in higher car insurance rates. This is because insurance companies see people who miss payments as irreponsible and a risk to them. This translates to more danger to them and more expensive premiums for you.

2. You might not be enjoying some discounts you are eligible for with your present insurance carrier just because you don't know.
Since agents too are human they might not remember to tell you about some discounts you are eligible for. You will discover simply by telling your agent that you want to be sure you have been told about every discount possible for your profile. You might be surprised at discounts you've not taken advantage of.

3. It pays to be loyal to the same California insurance company. Some insurers will give you discounts of around 5% once you stay with them for over three years while others will give you discounts for staying up to 5 years. The longer you stick with the same insurance company, the more the discount you'll attract.

This notwithstanding, you may save more if you switch....

Let us assume your California auto insurance premium with your present insurer is $2,500 you will get a discount of about 5% or $125 if you continue for at least 3 years.

Within the course of these three years you might get an insurance provider who will offer you the same auto insurance coverage or better for under $2,000. Then it won't be wise to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you will get immediately if you switch.

Furthermore, in most cases, most folks will actually pay more affordable rates than they are presently on auto insurance if they do extensive shopping.. You can only know if this is true for your profile after you obtain and compare quotes from many different auto insurance companies to see where you'll gain more.

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