California Car Insurance Rates -- To Save Massively, Implement These

Would you like a more affordable California vehicle insurance rate that still leaves you with the right coverage? Let's discuss a number of proven ways of getting just that...

1. The difference in the cost of insuring comparably priced cars could be much. So have this at the back of your mind when you are ready to buy your next vehicle. A car of similar specification that has a poor crash rating and higher theft rate will cost a lot more to insure.

In addition, it will also cost you more if a car is more costly to repair or maintain. Asking the right questions will help you avoid expensive-to-insure cars and get more affordable rates.

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2. A vehicle with a high safety rating will make you eligible for better rates than one with a poor rating all other things being the same. Select cars that have mechanisms that increase safety. They'll qualify you for a Safe Car Discount. For more information on this and how much you can save by having them, discuss with your agent.

3. Under-25 drivers get higher rates than any other age group. Worse still, if they are teenagers their auto insurance rates could be really high.

So you'll do well to NOT place your teenage driver on your policy. It will have an adverse effect on your rate. You can discuss with your agent about signing an exclusion form so that your teen driver can have his/her own auto policy.

It's a fair price for them to pay to enjoy the adult privilege of driving. This act will save you more than money as your teen driver will happily listen when suggestions are made on things that will bring down the high rates they pay. Your teen will also be safer as the steps that will bring down his/her rates will make her a more responsible behind wheels.

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4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Some insurers will give you up to 5% in discounts once you've been with them for up to three years while others will give you such a discount only when you've stayed for up to five.

The accident forgiveness discount means that your insurer will not raise your rates if you file just one claim. It makes sense for the insurer as it is cheaper to give discounts to existing policy holders than to acquire new ones. The longer you stay, the more you'll save.

Just bear in mind that some people will be better off if they switched to another insurer notwithstanding the many discounts given to long term policy holders.

Supposing your auto insurance premium with your current insurer is $2,500 you will get a discount of about five percent or $125 if you stay for at least three years.

However, bear in mind that your rates may be altered to reflect the effect of inflation. But if you do routine shopping for auto insurance you will almost always get an insurance carrier within those years of waiting who will give you a similar coverage for less. Then it won't be wise to stay put because you want to qualify for a discount down the road even if the expected discount is less than savings you will get now if you switch.

It's a sure fact that most folks can pay far less with another insurer if they'll only take the time to shop properly.. To be sure you are not loosing a better deal, get and compare auto insurance quotes from up to five insurance quotes sites..

5. Defensive driving will help reduce your rates therefore complete a course on it. Apart from the fact that they will help lower your rate, they will help keep you and others safer.

6. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don't think about this when they are about buying a home.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

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7. As an under 25, you can pay lower California auto insurance premiums if you use your parents' policy. The fact that you are of driving age means that your parents belong to a lower risk age bracket.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. If you want to be the owner of your vehicle, then be the big boy or girl and also own the higher rates. Sorry, you cannot have both with this alternative. However, you can still make huge savings by clicking the link at the end of this piece.

8. You will save much if you do shop around and do proper comparison. The range of quotes received per query could be as wide as $1,000 for a given person. Notwithstanding that this is a good thing, it's crucial that you don't get carried away. It's not normally that easy if you want the best price to value ratio.

The lowest quote may not give you the best price/value. Although each of the quotes offered will definitely give you the same basic coverage, there may be a number of differences in the details of coverage. This makes it important that you find out if there aren't any exclusions that won't serve your best interest.

Remember to treat these no-obligation quotes just that way. Don't feel obliged to pay until you've had all your questions answered to your satisfaction. You will never get rude shocks down the road if you do this.
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