Best California Car Insurance Rates -- Don't Ignore These Tips If You Mean Business

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

1. An excellent credit rating will reflect in your favour with respect to your California car insurance rate. A bad credit record will make you pay higher car insurance rates. It's usual for insurance carriers to predict that a person who misses credit card payments will also easily miss payments of auto insurance premiums. This assumption of increased risk makes such persons attract higher rates in auto insurance and other insurance policies.

2. Take it upon yourself to ask your agent about all the discounts possible with with your chosen California insurance provider.
Your agent may, by commission or omission not tell you about some discounts that you qualify for. The only way to be sure it's false in your case is by asking your agent to list out every discount that your preferred insurance carrier gives. You might get a very pleasant surprise!

3. A loyalty discount is another factor that will lower your California car insurance rate. A number of insurers will give you discounts of about 5% once you stick to them for over 3 years while others will give you discounts for staying up to five years. The more the years you have been loyal to an insurer the higher discounts you can get.

Nevertheless in spite of the fact that it's a good way to save, you may save much more if you ignore a loyalty discount and get another insurance company....

If 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'll pay $2,500 - (5% of $2,500 or $125) = $2,375.

Within the course of these 3 years you would most likely get an insurer who'll offer you the same auto insurance coverage or better for under $2,000. Then it would be anything but wisdom to stay put because you want to qualify for a discount down the road knowing that the expected discount is less than savings you'll get now if you switch.

Moreover, in nearly all cases, most people will actually pay more affordable rates than they are currentl on auto insurance if they shop right.. To be sure you're not simply missing out a better deal, obtain and compare auto insurance quotes from up to five insurance quotes sites.