Seven Tested Steps For Cheap California Auto Insurance

Contrary to what you might have come to expect, you don't really have to do very great 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 keeping you from far more affordable rates are little things you can quickly take care of. Here are several things that will bring you closer to the goal...

1. Make sure your car is always parked 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. It's certainly not a good idea to leave your car in the open street all through the night.

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2. Are you retired? Then you should qualify for a retiree discount with several California insurers. The plain logic for this discount is that retired persons usually drive less. A person's total mileage is a strong point which affects how much is paid in premiums. Therefore, any event that brings down your annual mileage by a big margin must lower your rate.

This savings option is surely not one any retired person should overlook. Therefore it's important to ask your agent. If for some reasons they do NOT have a discount like this, don't fail to inform your agent about the change in your mileage. You are entitled to a lower rate if the drop 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 this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. You'll get cheaper rates if your car has a higher safety rating. Select cars that have mechanisms that improve safety. Such systems attract a good discount. For more information on these and how much you can save by fixing them, discuss with your insurance agent.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? 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. If you consider the huge discount this will result in, a young driver will definitely save thousands in premium dollars in just a few years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. They generally file fewer claims and when they do, they usually cost less.

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. Car thieves are known to go for easy targets. An unlocked car with the engine running? What could be easier?

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Bonus tip...

You could save some hundreds of dollars by just obtaining and comparing quotes from about five quotes sites. And, it will take you only a total of 25 minutes.
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