Cheapest California Car Insurance Rates -- Steps That Will Help You Pay A Lot Less

Cheap California car insurance rates are easy to get if you get and use the right tips. Let's begin with the following...

1. Keep an outstanding credit rating. Having a poor credit rating is simply making difficult for yourself apart from the fact that your premium will be much higher. 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've missed payments at some points. Once you're noted as bad risk you'll attract higher auto insurance premiums.

2. Ask your agent personally about all the discounts possible with with your preferred California insurer.
It's possible that your agent might have overlooked a discount you're eligible for. You'll discover simply by telling your agent that you want to be sure you have been told about every discount there is. You might be astonished at discounts you have not taken advantage of.

3. A loyalty discount is another factor that will lower your California car insurance rate. You'll get discounts of up to five percent on your auto insurance if you maintain a policy with the same insurer for up to 3 years. The longer you stick with the same insurance company, the more the discount you'll be given.

However although it is a good way to save, you may save much more if you forget about this discount and get another insurer....

let'ssay, for example, that you will get a 5% (or $125) discount after your third year with an insurance company where you current California auto insurance rate is $2,500.

But while you are at it, some other insurer could be prepared to offer a rate of $2,000 or less at the moment. If this is true about you then you know it's ideal for you to go for the more affordable offer immediately and not wait for years to qualify for a discount that won't even save you as much.

But believe it or not, most folks can pay a lot less with another insurer if they'll only make out time to shop right.. Considering that the process of obtaining and comparing auto insurance quotes takes just minutes, I'll wonder why you will not do that now and get more affordable car insurance rates immediately.