California Auto Insurance Rates -- To Save Massively, Try These

Everyone out there would be very pleased to discover a way of enjoying affordable California vehicle insurance rates as long as such a way will NOT downgrade the scope of coverage they enjoy. Let's discuss a number of proven steps to achieving just that...

1. Some cars are very expensive to insure. Therefore, as you look out for the wonderful specs of the car you want to buy, take some time to find out how much it typically costs to insure. Two factors that will make you pay more for auto insurance are a car's crash rating and theft rate.

Furthermore, it will also cost you more if a car costs a lot to repair or maintain. With a little diligence you can avoid buying a car that will cost you much in higher rates over time.

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2. A vehicle with a higher safety rating will make you eligible for cheaper rates than one with a poor rating all other things being equal. Safety features should be given more consideration when shopping for a new car. They will qualify you for a Safe Car Discount. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights.

3. It's a known fact that young drivers attract high rates. Even in this age bracket, a 23-year old driver will pay much less than a 17 year old all other things being equal.

This means that you'll help keep your rates down if you do NOT have a teen driver on your policy. It will have an adverse effect on your rate. Sign an exclusion form that will allow your teen driver have his or her own policy.

If a teen is keen on driving then then should be made responsible for at least the cost of their California auto insurance. Teens who pay for their own auto insurance are more willing to take steps to bring it down. This by extension means that such a teen driver will be more responsible behind wheels since they bear the full cost of their actions.

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4. You'll save by being loyal to an insurer due to the long term discount and accident forgiveness which they give to long-standing policy holders. Most insurers will give you a discount of about 5% if you stay with them for up to five years (some will give you once you stay for up to three.

Most insurers will also not raise the rates of a long standing policy holder if they make only just one claim. These are all incentives for you to stay with them for as long as possible. The longer you stay, the more you'll save.

But it will only be right for me to also point out that in spite of these incentives, you might actually gain more if you switch to another insurer.

Let usassume, that you will get a 5 percent (or $125) discount after your third year with an insurer where you current auto insurance premium is $2,500.

But we can almost say with some assurance that due to inflation your rate might not remain the same. But if you do regular shopping for auto insurance you will almost always get an insurance carrier within those years of waiting who'll give you comparable coverage for less. Then it would be anything but wisdom to stay put because you want to become eligible for a discount down the road even if the expected discount is less than savings you will get immediately if you switch.

Furthermore, in nearly all cases, most folks will actually pay a lot less than they are currentl on auto insurance if they shop right.. You can only know if it is true in your case if you get and compare quotes from a good number of auto insurance companies to see where your interest is better served..

5. There are classes that are designed to improve your driving. Join them. In addition to the fact that they will improve your driving skills, they will show your insurance carrier that you're doing your best to reduce your risk level.

6. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

So check with your agent before you commit to a new home. I know: That isn't usually an issue when you're looking for a home but it's really important.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

Cheap California Auto Insurance

7. Using your parents' California car insurance policy is an alternative for you an under 25. Your parents certainly belong to a lower risk age group.

To take advantage of this though, you'll have to live with your parents and also have the vehicle registered in their name. If you want to be the owner of your vehicle, then be the big boy or girl and also own the costly premiums. Sorry, you cannot have both with this alternative. However, you can still make massive savings by following the link at the end of this piece.

8. You can get cheaper rates on California auto insurance today by visiting at least five insurance quotes sites. Each quotes site will require around 5 minutes or less to request quotes. (Some folks fill in details that is not really correct about themselves. That is NOT wise since the quotes you'll get this way won't do you any good).

You'll simply choose the best auto insurance quote for you from the list of quotes you've obtained. It's as simple as that. But you could easily save hundreds of dollars.
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