7 Tested Steps For Low Cost California Car Insurance

You don't have to do difficult things in most cases in order to lower your California auto insurance rates. You may be embarrassed to discover that all that's making it difficult for you to get far lower rates are little things you can quickly deal with. Let's look at some of them here...

1. Don't make the mistake of parking your car in places where it won't be safe. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. I hope you also know that you'll pay less if you have a garage for your car.

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. .And for no reason should you leave your car in the open street for a whole night.

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2. Retirees are given a special discount by a good number of California insurers. Retired folks don't have to drive to a place of work every day. A person's total mileage is an important point which influences how much they pay in premiums. Therefore, any event that lowers your total mileage by a big margin should reduce your rate.

Remember that you are eligible for this discount if you're retired. Find out your insurance provider's policy on this. Even if they don't refer to it as retiree discount, telling them of a remarkable drop in mileage is important. This should reflect in lower rates for you.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

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. It will cost you a lot more to insure a vehicle if it has a low safety rating. Does your vehicle have built-in safety mechanisms? Such systems get you a good discount.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Being certified as a defensive driver will save a young driver thousands in premiums in 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. Marriage is something that will do your auto insurance rates a world of good. This is true even though you can't just go off to marry just because of this. 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. This simple act makes it very easy for thieves. Car thieves are known to go for easy targets. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

Take out some time to visit not less than 5 insurance quotes sites that offer quotes on California auto insurance policies. This should require not more than 25 minutes.

While you visit each quotes site, make sure you input the same information. Doing otherwise will produce misleading quotes. After you've received your auto insurance quotes, compare them to determine which serves your interest best both in price and value.
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