California Vehicle Insurance -- Seven Tips More Affordable Rates

With the right recommendations you'll get more affordable rates for adequate coverage. But also note that you could make savings if you use the wrong tips. The only thing is that you'd put yourself at risk. Here are some sure ways to pay far less without putting yourself at risk...

1. There's A type of discount called the "good driver discount." It's for policyholders who have not made claims for three years and above. Some insurance providers don't give this discount without some pressure.

If your insurer is one of the few who don't offer this discount tell them without mincing words that you'll switch to another insurance carrier. Believe it or not, every insurer likes having people who remain claims free for these number of years and you shouldn't find it hard getting better rates with a number of other insurers.

Almost all California insurers will do everything within their powers to make sure they don't lose you and this will likely result in a concession from them.

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2. Your rate is seriously affected by your total mileage. Therefore do all you can to NOT drive your car wherever there is a viable option. This definitely is the way to go if you reside in a city where you have access to standard mass transit systems.

Another recommended alternative for those who want to bring down their mileage is joining a car pool.

3. Retired persons are given a special discount by a good number of California insurance companies. You'll hardly drive as frequently as you used to do once you retire. This will effectively lower anybody's mileage.

This savings option is definitely not one any retired person should pass on. Therefore it's a good thing to discuss this with your agent. If for any reason they don't have a discount like this, remember to inform your agent about the change in your mileage. This should reflect in better rates for you.

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4. Mechanisms such as automatic gas cut-off, alarms and other anti-theft gadgets are recommended. Since they cut down the chances of your car being stolen, they result in a reasonable discount. Thieves have a preference for easy targets.

5. It's less expensive to insure your car if you reside in a rural area. Rural areas get much lower rates since they are less exposed to risks of vandalism, theft, collision and others that are usually typical of highly populated areas.

6. For no reason should you allow your California auto insurance policy to lapse.. You'll attract very expensive rates for a considerable length of time if this happens to you albeit mistakenly. Don't make room for such a mistake while changing insurers because that's when this happens to many folks.

One way to ensure you do NOT make this costly mistake is to let your old policy keep running until you're sure the new policy is fully operational. As simple as this may seem, a lot of individuals are bearing the pain of higher rates because of just a little negligence.

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7. Is it possible you have a car that you've not used for a long while? Is one of your cars been covered in the garage for up to six months because it's broken? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Simple as this looks a lot of people end up paying thousands in unnecessary premiums because they don't remember to remove such cars from their policy. I hope this is not the case with you.

8. You will save a lot of dollars by visiting a minimum of 5 quotes sites. That way, you will be able to get the lowest California auto insurance quotes possible as five sites will give up to 25 quotes altogether.
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