California Automobile Insurance -- Seven Tips Cheaper Rates

With the right advice you'll get more affordable rates for adequate coverage. It is as well necessary that I point out that there are steps that might put you at risk even if they save you at the moment. I will, however, only give tips that will help you save much while you still maintain sufficient coverage...

1. There is A type of discount referred to as "good driver discount." It's for drivers who have not made claims for three years and more. A number of insurance providers may not offer this discount without some coercion.

If your insurance agent tells you that they do NOT offer this discount make it clear that you'll go to another insurer. As a matter of fact, you should leave them because you'll definitely enjoy a better deal with another company if you've maintained a clean slate for this long.

However, more often than not a serious threat of switching from you is enough to make them shift grounds.

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2. Take advantage of every opportunity to NOT drive your vehicle since it will cut down your mileage and, by extension, your rate. This surely advisable if you live in an urban area where you can use standard mass transit networks.

Joining a carpool is equally another smart way of cutting down your mileage.

3. Are you a retired person? Then you're eligible for a retiree discount with a good number of California insurers. Retired folks do NOT need to drive to work on a daily basis. This will certainly cut down anybody's mileage.

Remember that you are eligible for this discount if you're a retiree. Therefore it is a good thing to ask your insurance agent. Even if they don't call it a retiree discount, registering a remarkable drop in mileage is necessary. Except where the difference in your mileage isn't considerable, you should look for another insurance provider if you don't get a decent discount.

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4. Features such as automatic gas cut-off, alarms and other theft-deterrent gadgets are recommended. Since they cut down the probability of your vehicle being stolen, they bring a reasonable discount. Thieves will think twice before trying to steal a car with theft-deterrent mechanisms.

5. You will pay far more on auto insurance if you stay in Los Angeles than you would if you resided in some sparsely populated area. It is a smart move to buy your home in a lightly populated area if it fits your circumstance since the likelihood of vandalism, theft or an auto accident is far lower.

6. For no reason must you allow your California vehicle insurance policy to lapse.. People who allow this to happen to them attract only higher rates for a long time. This happens to some individuals when they are switching to another insurance company.

To avoid a lapse, wait until the new policy is fully in in force before you terminate the old. As simple as this may seem, a lot of people are bearing the burden of exorbitant rates because of this silly little oversight.

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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? Have you removed it from your auto insurance policy?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. I hope this is not the case with you.

8. You'll save much if you do shop around and do thorough comparison. The the difference in quotes returned for a request could be as wide as $1,000 for a particular profile. Although this is a good thing, it's advisable that you don't get carried away. It's not normally that easy if you want the best price/value.

The lowest quote may not give you the best price/value. Notwithstanding that each of the quotes presented will certainly give you the same main coverage, there could be a number of differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes as their name implies. Don't feel you have to pay unless you've got all your questions answered satisfactorily. You will saved from rude surprises later if you do this.
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