Cheaper California Car Insurance Rates -- Proven Tips You Can't Overlook

Do you want to attract the cheapest California car insurance rates? Then make sure you get time-tested tips. Let me show you a few here...

1. Retain an outstanding credit rating. A bad credit record will cost you in higher car insurance rates. There are many reasons for this but this one ranks high among them: If you have a poor credit history then it could only mean you have missed payments somewhere. This perception of high risk makes such individuals attract very high 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 preferred California insurer.
Since agents too are human they might forget to tell you about some discounts you are eligible for. The only way to ensure this is not true in your case is by asking your agent to list out all discount that your insurer offers. You might be in for a really pleasant surprise!

3. Staying loyal to one California insurer for any considerable length of time will surely get you savings. Staying with the same insurance company for at least 3 years will get you special discounts from many insurers. The more you stick with the same insurance company, the more the discount you're likely to attract.

This notwithstanding, you may be better served by switching....

If your California auto insurance rate is $2,500 and you get a five percent discount when you maintain a policy with them for up to 5 years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

Between these 3 years you might get an insurance provider who'll give you the same auto insurance coverage or better for under $2,000. In such a case, it will be pointless to continue because you are after a loyalty discount down the line when you can get cheaper rates at the moment.

And, in most cases, most people will actually pay a lot less than they are currentl on auto insurance if they shop right.. You can only know if this is true in your case if you obtain and compare quotes from a good number of auto insurance companies to see where your interest is better served.