Seven Proven Tips For Affordable California Auto Insurance

Contrary to what you might have come to expect, you don't really have to do very exceptional things in order to attract the cheapest California vehicle policy that gives you adequate coverage. You may be embarrassed to discover that all that's making it difficult for you to get far more affordable rates are simple things you can quickly deal with. I'll take some time out in this article to show you such things...

1. You'll help reduce your rates if you always ensure you park your car in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Parking your car in a garage will help you reduce your rate over time.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark. .And for no reason should you leave your car in the open street for a whole night.

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2. Are you retired? Then you're eligible for a retiree discount with several California insurers. The obvious logic for this discount is that retirees generally drive less. Driving less will result in lower mileage which definitely makes you a lower risk.

Note that you qualify for this if you're retired. Therefore it is recommended that you discuss this with your insurance agent. If for some reasons they don't have a retiree discount, remember to inform your insurance agent about the change in your mileage. You are entitled to a lower rate if the difference in mileage is significant.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. It will cost you much more to buy insurance for a car if it has a poor safety rating. Does your vehicle have built-in safety mechanisms? You'll be eligible for a Safe Car discount if your vehicle has such features. Your insurance agent can give you a list of features that will make you eligible for a discount with your insurer.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. This makes sense because defensive drivers are statistically better risks to any insurer -- They have far fewer car crashes This means that high risk profiles like teen drivers will benefit a lot from this type of training. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. So as much as possible, become a defensive driver especially if you under 25. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Getting married will bring down your rate by a huge margin. It's commonsense that every person becomes more stable and less reckless once they get married. This stability affects such a person for good when he/she is behind wheels. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. A lot of folks have lost their cars in the short seconds that they took to dash inside to get something while leaving their cars running and unlocked. Don't make this mistake. This simple act makes it very easy for thieves. Every thief checks how easy a target is before making a move. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Bonus tip...

You can bring down your auto insurance premium by asking for and comparing quotes from at least five reputable quotes sites.
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