Affordable California Car Insurance Rates -- Don't Ignore These Recommendations If You're Serious

Cheaper California car insurance rates are NOT difficult to get if you get and use the right advice. Here are a few you cannot afford to miss...

1. You'll lower your California auto insurance premium if you have an excellent credit rating. Having a poor credit rating is simply making difficult for yourself in addition to the fact that your premium will be much more. There are many reasons for this but this one is prominent among them: If you have a poor credit rating then it could only mean you've defaulted in payments somewhere. This perception of high risk makes such individuals get very high rates in auto insurance and other insurance policies.

2. You might be missing some concessions you qualify for with your preferred insurance carrier just because you don't know.
Since agents too are human they might not remember to tell you about some discounts you should take advantage of. You'll discover simply by telling your agent that you want to know if you have been informed about every discount there is. Do not be shocked if you discover one or two that you've not heard of.

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

This notwithstanding, you may be better off if you switch....

Assuming your California auto insurance premium is $2,500 and you get a 5% discount when you stay for up to five years you will pay $2,500 - (5% of $2,500 or $125) = $2,375.

But while you are at it, an insurer somewhere could be ready to offer a rate of $2,000 or less at the moment. If this is correct about you then you know it's wise for you to go for the better offer immediately and not wait for years to become entitled to a discount that will not even save you as much.

It's a sure fact that most folks can pay a lot less with another insurance company if they'll only make out time to shop right.. To be sure you're not loosing a better deal, obtain and compare auto insurance quotes from up to five insurance quotes sites.