Cheaper California Car Insurance Rates -- Sure-Fire Tips You Mustn't Overlook

With the right tips, the cheapest California car insurance rates will be yours to pick from. Here are some you cannot afford to miss...

1. Maintain an excellent credit rating. A poor credit record will attract higher car insurance rates. For some insurers it is a pattern they believe you might repeat with them in premium defaults. Once you're seen as bad risk you will invite more expensive auto insurance premiums.

2. You might be missing some concessions you are eligible for with your present insurance carrier simply because you don't know.
There's a possibility that your agent has left one or two out. The only way to ensure this is not true in your case is by asking your agent to list out all discount that your insurance provider gives. You might get a really pleasant surprise!

3. A loyalty discount is another factor that will lower your California car insurance rate. A number of insurance providers will give you discounts of around five percent once you stick to them for over three years while others will give you discounts for staying up to 5 years. The more you stay with the same insurance company, the more the discount you're likely to be given.

However, you may be better off if you switch....

Say, for example, that your California auto insurance premium with your present insurance provider is $2,500 you will get a discount of about five percent or $125 if you stay for at least 3 years.

Within the course of these 3 years you would most likely get an insurer who will give you the same auto insurance coverage or better for under $2,000. In such a case, it is of no value to stay put because you want to get a discount years later when you can pay less at the moment.

It's a sure fact that most folks can pay a lot less with another insurer if they'll only make out time to shop right.. You can only know if this is true in your case after you get and evaluate quotes from many different auto insurance companies to see where your interest is better served.