Cheap California Car Insurance Rates -- Time-Tested Tips You Can't Joke With

With the right recommendations, cheap California car insurance rates will be yours to pick from. Let's start with these...

1. An outstanding credit rating will show in your favour with respect to your California car insurance rate. Those who have bad credit pay higher premiums for all forms of insurance and that includes auto. The truth is that they believe that the probability of you missing payments of your premiums is very high. This assumption of increased risk makes such individuals pay very high rates in auto insurance and other insurance policies.

2. Ask your agent personally about all the discounts available to you with your chosen California insurer.
It's possible that your agent did not remember to tell you about some. The only way to ensure it's false in your case is by asking your agent to list out every discount that your insurance provider offers. You might be astonished at discounts you've not taken advantage of.

3. Staying loyal to one California insurer for any period will actually lead to savings. You'll attract discounts of up to 5% on your auto insurance if you stick to the same insurance company for up to three years. The longer the years you've been loyal to an insurer the higher discounts you can get.

But in some cases it's better to go for another insurance company...

If your California auto insurance rate is $2,500 and you are given a five percent discount when you stay for up to five years you'll pay $2,500 - (5% of $2,500 or $125) = $2,375.

But if you do routine shopping for auto insurance you'll very likely get an insurer within those years of waiting who'll give you a similar coverage for less. In such a case, it will be pointless to continue because you are after a discount years later when you can enjoy lower rates immediately.

Moreover, in most cases, most folks will actually pay a lot less than they are currentl on auto insurance if they do thorough shopping.. You can only be sure if this is true for your profile after you obtain and evaluate quotes from many different auto insurance carriers to see where you'll gain more.