Affordable California Auto Insurance -- Steps For Cheaper Rates

You can bring down your rates considerably by downgrading the quality of coverage you get. That's NOT advisable. But there's a better suggestion: Implement the correct tips and do a few things right and you'll get bigger discounts I'll explain how...

1. You can reduce your California car insurance premium by taking advantage of a multi-vehicle discount. However, there are a number of cases where you'll make more savings by buying from different insurance carriers. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is a good way to know for sure if this serves your best interest. But however you look at it, a multi-vehicle discount is one way to get lower rates.

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2. Under-25 drivers are given very high rates. However, one thing you can do to enjoy more affordable rates if you fall into this age bracket is maintain good grades.

To have it, nevertheless, you must keep getting at least a "B" grade. This will shave off as much as five percent from your rate if you qualify. Experience has proven to insurance carriers that what makes a student maintain good grades is a level of responsibility which such students also maintain behind wheels. Young drivers who maintain excellent grades are usually seen as more responsible and less likely to take to recklessness behind wheels.

3. Does a child on your policy not use the car for a considerable length of time? Then you deserve a discount for this. Don't miss this if your child is away at school. I must point out, however, that a number of insurance carriers do not give this.

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4. It is less expensive to insure your car if you live in a rural area. It is advisable to buy your home in a less congested area if it fits your circumstance considering that the likelihood of vandalism, theft or collision is far lower. The more highly populated where you live is, the less affordable your rates.

5. Under-25 drivers get higher rates than any other age group. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

So you'll do well to NOT place your teenage driver on your policy. It will have an adverse effect on your rate. Your teen driver should have his/her own policy. This will be made possible if you sign an exclusion form.

Let your teen bear the responsibility of paying for their auto insurance. 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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6. Take out some time to visit a minimum of 5 insurance quotes sites that return quotes on California auto insurance policies. It will require not more than 25 minutes.

As you visit each quotes site, make sure you input the same details. Doing otherwise will give you misleading quotes. When you've received your auto insurance quotes, compare them to determine which serves your interest best in price/value.
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