Cheaper California Car Insurance Rates -- Don't Ignore These Tips If You're Serious

Affordable California car insurance rates are NOT difficult to get if you get and use the right advice. Let me share a few here...

1. Maintain an excellent credit rating. Having a bad credit rating is simply making difficult for yourself apart from the fact that your rates will be much more. There are many reasons for this but this one is prominent among them: If you have a bad credit rating then it could only mean you have missed payments at some points. This assumption of increased risk makes such individuals get very high rates in auto insurance and other insurance policies.

2. Take it upon yourself to ask your agent about all the discounts available to you with your preferred California insurance provider.
Since agents too are not above mistakes they might not remember to tell you about some discounts you are qualified for. You'll reduce the probability of this happening to you if you make it a point of duty to ask your agent seriously to tell you of every discount that is obtainable. Do not be shocked if you hear of some that you've not heard of.

3. A loyalty discount is another thing that will lower your California car insurance rate. Staying with the same insurer for at least three years will get you reasonable discounts from many insurers. The more the years you've been loyal to an insurer the bigger discounts you can get.

But although this is a good way to save, you may save much more if you ignore a loyalty discount and go over to another insurer....

If your California auto insurance rate is $2,500 and you are given a 5% discount when you stay for up to 5 years you'll pay $2,500 - (5% of $2,500 or $125) = $2,375.

Within the course of these 3 years you might get an insurer who'll offer you a similar auto insurance coverage or better for under $2,000. Then it would be anything but wisdom to stay put because you want to become eligible for a discount down the road knowing that the expected discount is less than savings you will get immediately if you switch.

You'll most likely pay less if you make out time to do extensive shopping because there are hundreds of auto insurance companies available. Since the process of obtaining and comparing auto insurance quotes requires just minutes, I'll wonder why you will not do that now and get cheaper car insurance rates right away.

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