Seven Tested Steps For Cheap California Car Insurance

It doesn't usually take implementing very many tips to make massive savings while maintaining sufficient California auto insurance coverage. It's generally little things that bring about big discounts. Here are several tips that will help you achieve that goal...

1. Make sure your car is always parked in a safe place. .By safe I mean places where the risks of theft, vandalism or accidental damage are very low. Furthermore, you might even get discounts with your insurer if you show that you have a good garage.

Don't forget to always park your car in a well lit area when you're out. This is because thieves avoid well-lit areas but love operating in the dark.

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2. Retired persons are given a special discount by a good number of California insurers. Retired folks don't have to drive to a place of work every day. A driver's total mileage is a strong point which determines what is paid in premiums. So anything that lowers your total mileage by a big margin should lower your rate.

This discount is surely not one any retiree should ignore. Find out your insurer's stance on this. If for some reasons they do NOT have a retiree discount, don't forget to inform your agent about your change in mileage. Except where the change in your mileage isn't big enough, you should switch to another insurer if you don't get a decent discount.

3. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. 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. You will pay less if your vehicle is considered to have a higher safety rating. Does your vehicle have built-in safety features? You'll qualify for a Safe Car discount if your vehicle has such features. To get more information on this and how much savings you'll realize by fixing them, talk with your agent.

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5. Do you know that you'll be eligible for a discount if you complete a defensive driving course or any such program approved by your insurer? The reason is simple: Defensive drivers are trained to drive safer. The effect of become a certified defensive driver would be most felt if you belong to a high risk profile like teen drivers. Being certified as a defensive driver will save a young driver thousands in premiums in a few years. Therefore, do your best to get trained in defensive driving from a recognized center. When you get certified, let your agent know and insist on your discount -- You've earned it.

6. Although this may sound funny, you can bring down your rates by getting married. I know you won't get married just for this but when you do, it will save you a bit in auto insurance. 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. Furthermore, as a group, their claims are usually less both in number and average cost per claim.

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. This simple act makes it very easy for thieves. 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...

You can realize savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from insurance quotes sites. The best method is to visit not less than five sites and making sure that you give the same (correct) details.

I recommend that you visit a minimum of five quotes sites because it will make it less likely that you'll miss out offers not presented by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of realizing more savings.
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