California Vehicle Insurance -- Seven Steps For More Affordable Rates

You will easily spend less for adequate coverage if you have and implement the right recommendations. It is as well important that I stress that there are tips that might put you at risk even if they save you at the moment. Here are some time-tested ways to pay far less without putting yourself at risk...

1. Staying without making claims will get you a good discount. But don't be surprised if your agent tells you your auto insurance company does not give this discount.

If your insurance carrier is one of the few who don't give this discount let them know point-blank that you will move over to another provider. With this quality of driving record finding a far cheaper rate is certainly quite easy since policy holders who stay claims free are every insurance provider's dream.

However, oftentimes the threat of leaving from you is enough to force them to give a concession.

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2. Drive as little as as you can because it will bring down your mileage and qualify you for a low mileage discount. This definitely is the way to go if you live in a city where you have access to modern mass transit networks.

You can equally cut down your mileage by joining a carpool.

3. Retired persons are given a special discount by several California insurers. The simple logic for this discount is that retirees usually drive less. Driving less will result in reduced mileage which surely makes you a lower risk.

Remember that you qualify for this if you're a retiree. So it is important to discuss this with your insurance agent. If for any reason they do NOT have a retiree discount, don't forget to inform your agent about your change in mileage. This should reflect in lower rates for you.

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4. Features like automatic gas cut-off, alarms and other theft-deterrent gadgets are encouraged. The likelihood of theft is a crucial factor that influences your rate. And because these mechanisms cut down such a risk, you'll receive a good discount for them. Car thieves will think twice before attempting to steal a vehicle with theft-deterrent features.

5. It is cheaper to insure your car if you live in a rural area. Rural areas attract much cheaper rates because they are less susceptible to risks of vandalism, theft, collision and such problems that are generally associated with highly populated areas.

6. For no reason must you allow your California auto insurance policy to lapse.. It will sentence you to expensive rates for a long time. This happens to many folks when they are switching to another insurance carrier.

A simple way to ensure you do NOT make this costly mistake is to leave your old policy intact until you've confirmed that the new policy is in full force. As simple as this may seem, a lot of folks are bearing the burden of exorbitant rates because of this silly little oversight.

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7. Do you have a car you've not driven in months? Do you have a broken car? Are you still paying premiums on such a car because you did NOT remember to remove it from your auto insurance policy?

Funny as it may seem, this is one reason some folks pay higher rates than they should. If you made this kind of mistake then you can save yourself a lot of bucks by quickly removing an unused car or cars from your policy.

8. You can get savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best strategy is to visit at least five sites and making sure that you provide the same (correct) information about yourself.

I recommend that you visit at least five quotes sites because it will ensure you do not miss out offers not given by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.
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