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

With the right advice, cheap California car insurance rates will be yours to choose from. Here are some you cannot afford to miss...

1. You will reduce your California auto insurance rate if you have an outstanding credit rating. A poor credit record will make you pay higher car insurance rates. There are several reasons for this but this one ranks high among them: If you have a bad credit rating then it could only mean you've defaulted in payments at some points. This translates to more danger to them and higher premiums for you.

2. Ask your agent personally about all the discounts available to you with your preferred California insurance provider.
Since agents too are human they might not remember to tell you about some discounts you are eligible for. You will lower the probability of this happening to you if you take the pains to ask your agent seriously to tell you of every discount that is available. You might be astonished at discounts you've not benefited from.

3. Staying loyal to one California insurance company for any period will surely get you savings. Using the same insurance company for at least 3 years will will attract special discounts from many insurers. The longer the years you've been loyal to an insurer the higher discounts you can get.

But sometimes it's wiser to leave for some other insurer...

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

But if you do regular shopping for auto insurance you will almost always get an insurer within those years of waiting who will give you comparable coverage for less. In this regard, it is of no value to stay put because you are after a loyalty discount years later when you can get cheaper rates immediately.

But believe it or not, most folks can pay far less with another insurance company if they'll only take the time to shop right.. You can only be sure if this is true for your profile after you get and compare quotes from many different auto insurance companies and then see where your interest is better served.

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