Seven Sure-Fire Tips For Low Cost California Car Insurance

Contrary to all you might have heard, you don't really have to do very difficult things in order to attract the cheapest California auto policy that gives you adequate coverage. Just understanding some compulsory steps and implememting them will make a big difference. Let's examine a good number of them here...

1. Make sure your car is always parked in a safe place. This means that you have to do all within your power to NOT park your car in a red light district. 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.

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2. Are you retired? Then you can get a retiree discount with most California insurance carriers. You'll hardly drive as frequently as you used to do if you are retired. This will certainly bring down anybody's mileage.

The finer details for each insurance provider may be different but this is certainly a good way to cut down your auto insurance cost. Do find out details from your agent. And, if your agent says they don't have this very discount, do your best to point out the dramatic adjustment in your mileage. You are entitled to a a cheaper rate if the drop in mileage is considerable.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

4. You'll pay less if your vehicle is considered to have a higher safety rating. Does your car have built-in safety features? They will qualify you for a Safe Car Discount. Examples of such safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. They enjoy a good discount because they've acquired skills that make them respond better to incidents on the road thus making them safer drivers. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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 is an open invitation to any thief sniffing around. Every thief checks how easy a target is before making a move. It certainly doesn't get easier for a thief than an unlocked car with a running engine.

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Finally...

Visit a minimum of five insurance quotes sites. Using not less than five quotes sites raise the chances that you would get cheaper auto insurance quotes. This is because insurers not covered by one site will be covered by another.

Moreover, you know that because your chances of getting lower auto insurance quotes is proportional the number of quotes you obtain, the more insurers you obtain quotes from, the brighter your chances will be.

Obtaining your California auto insurance quotes online will help you save a bundle if you take out just 25 minutes to get quotes from a minimum of 5 sites.
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