Cheapest California Car Insurance Rates -- Proven Tips You Mustn't Ignore

Affordable California car insurance rates are easy to attract if you follow the right tips. Let's start with these...

1. Keep an outstanding credit rating. A bad credit record will attract higher car insurance rates. The truth is that they believe that the probability of you defaulting in your premiums is very high. Once you are seen as a higher risk you will attract higher auto insurance premiums.

2. Take it upon yourself to ask your agent about all the discounts possible with with your chosen California insurance provider.
There is a possibility that your agent might have overlooked a discount you're eligible for. You'll know simply by telling your agent that you want to know if you've been informed about every discount there is. You might be astonished at discounts you have not taken advantage of.

3. It pays to continue with the same California insurer. You will attract discounts of up to five 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 bigger discounts you will get.

However in spite of the fact that it is a good way to save, you may get more savings if you ignore a loyalty discount and get another insurance company....

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

Within the course of these three years you might get an insurance provider who will offer you a comparable 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 loyalty discount much later when you can pay less immediately.

Moreover, in nearly all cases, most folks can easily pay a lot less than they are presently on auto insurance if they do thorough shopping.. You can only know if it is true for your profile if you get and compare quotes from a good number of auto insurance carriers and then see where you'll gain more.

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