Cheap California Car Insurance Rates -- Actions That Ensure You Pay A Lot Less

With the right tips, the cheapest California car insurance rates will be yours to choose from. Let's begin with these...

1. Maintain an excellent credit rating. Having a bad credit history is simply making hard for yourself in addition to the fact that your premium will be much more. The truth is that they believe that the probability of you missing payments of your premiums is very high. This means more risk to them and higher premiums for you.

2. Take it upon yourself to ask your agent about all the discounts available to you with your preferred California insurer.
Your agent could, by commission or omission overlook some discounts that are available to you. The only way to be sure it's false in your case is by telling your agent to list out every discount that your preferred insurance carrier offers. Do not be surprised if you discover one or two that you've never heard of.

3. Staying loyal to one California insurer for any considerable length of time will surely get you savings. You will get discounts of about 5% on your auto insurance if you remain with the same insurer for up to three years. The longer you stick with the same insurer, the more the discount you'll get.

However, you may gain more by switching....

Assuming your California auto insurance premium is $2,500 and you are given a 5% discount when you maintain a policy with them for up to 5 years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

But while you're at it, an insurer somewhere could be ready to give you a rate of $2,000 or less at the moment. If this is true about you then you know it's wise for you to go for the cheaper offer immediately and not wait for years to qualify for a discount that will not even save you as much.

Moreover, in nearly all cases, most people will easily pay a lot less than they are presently on auto insurance if they shop right.. You can only know if it is true in your case after you get and evaluate quotes from a good number of auto insurance carriers and then see where your interest is better served.

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