Seven Proven Steps For Cheap California Auto Insurance

Contrary to what you might have come to expect, you don't really need to do very great things in order to attract the most affordable California vehicle policy that gives you sufficient coverage. You may be shocked to discover that all that's keeping you from far cheaper rates are little things you can easily take care of. Following are several things that will help you achieve that goal...

1. Don't make the mistake of parking your car in places where it won't be safe. Is there a risk of theft, vandalism or accidental damage where you park your car? Then look for a better place as doing otherwise might lead to a claim that will eventually increase your rate. Parking your car in a garage will help you reduce your rate over time.

Also make sure that your car is always parked in a well-lit area.

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2. Retired persons are offered a special discount by several California insurance companies. Retired people do NOT get to drive to a place of work every day. This will definitely bring down anybody's mileage.

Remember that you qualify for this discount if you are a retired person. Find out your insurer's policy on this from your agent. If for some reasons they do NOT have a retiree discount, remember to inform your agent about your change in mileage. Unless the change in your mileage isn't big enough, you should shop for another insurer if you are NOT given a discount.

3. Add-ons like towing raise your premium without giving you as much value as using a towing service. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

4. A car with a higher safety rating will attract cheaper rates than one with a poor rating all other things being the same. Go for vehicles that have features that increase safety. They will make you eligible for a Safe Vehicle Discount. Examples of these safety devices are air bags, automatic seatbelt, ABS brakes and daytime running lights.

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5. If you complete a defensive driving course, you'll qualify for a special kind of discount with most insurers. The reason is simple: Defensive drivers are trained to drive safer. This means that high risk profiles like teen drivers will benefit a lot from this type of training. Considering how expensive car insurance for teens is, getting a considerable discount will amount to much saving in just a few short years. Therefore, do your best to get trained in defensive driving from a recognized center. Once you get certified demand your well-earned discount from your insurer or look for another insurer if they don't give you a decent discount.

6. Getting married will bring down your rate by a huge margin. There is evidence to show that married people are a lot more stable than their unmarried counterparts. This makes them more careful on the road and, therefore, a better risk to insurers. Insurers will tell you that their records show that married people make fewer claims. Furthermore, when they do make those claims, they usually cost less on the average than those married by their unmarried counterparts.

7. If you must quickly get something inside, turn your car off, lock up and pocket your keys. Don't leave your car unlocked and running. The only easier thing for a thief would be if you handed over your keys as a gift. Car thieves are known to go for easy targets. And what could be easier than a car that's ready to be driven away -- It takes just seconds.

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Bonus tip...

Take out some time to visit not less than 5 insurance quotes sites that provide quotes on California auto insurance policies. This will take you not more than 25 minutes.

While you visit each site, make sure you input the same information. Doing otherwise will return misleading results. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.
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