Affordable California Car Insurance Rates -- Proven Tips You Mustn't Joke With

Affordable California car insurance rates are easy to attract if you follow the right tips. Let me show you some here...

1. Maintain an excellent credit rating. Those who have poor credit pay more expensive rates for all forms of insurance and that is also true for auto. This is because insurers regard individuals who miss payments as reckless and a risk to them. Once you are noted as bad risk you'll invite more expensive auto insurance rates.

2. You might not be enjoying some discounts you are eligible for with your present insurance carrier simply because you don't know.
Your agent may, by commission or omission overlook some discounts that you qualify for. You'll know only by telling your agent that you want to know if you've been told about every discount possible for your profile. Don't be surprised if you discover discover that you've never heard of.

3. Staying loyal to one California insurance company for any considerable length of time will almost always result in savings. Staying with the same insurance company for at least three years will will attract reasonable discounts from many insurance companies. The more the years you've been loyal to an insurer the bigger discounts you can get.

However even though it's a good way to save, you may save much more if you forget about a loyalty discount and get another insurance company....

Let usassume, that you will get a 5% (or $125) discount after your third year with an insurance company where you current California auto insurance premium is $2,500.

But while you are at it, some other insurer may be willing to offer a rate of $2,000 or less within that period. In this regard, it is of no value to stay put because you want to get a discount years later when you can get cheaper rates immediately.

But believe it or not, most folks can pay far less with another insurer if they'll only take the time to shop right.. You can only be sure if this is true for your profile after you get and compare quotes from a good number of auto insurance companies to see where your interest is better served.