California Auto Insurance -- Seven Tips More Affordable Rates

With the right advice you'll get more affordable rates for adequate coverage. But on the other hand, if you get the wrong advice, even though you may still save, it will be by compromising the level of coverage you'll enjoy. Here are some time-tested ways to get cheaper rates without opting for inadequate coverage...

1. Staying without making claims will get you a good driver discount. But don't be surprised if your agent tells you your auto insurance company doesn't offer this discount.

If your agent says that they don't offer this discount indicate that you might switch to another provider. Believe it or not, every insurance company likes having drivers who remain claims free for this long and you shouldn't find it hard getting better rates with a number of other insurers.

And, believe it or not, your California insurance carrier is likely to have a rethink if they discover you are quite serious about switching.

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2. Your rate is seriously affected by your total mileage. Therefore do all you can to leave your car whenever there is a viable alternative. This is relevant more to those whose vocation and location make it easy for them to use standard mass transit networks.

You can also bring down your mileage by carpooling.

3. A good number of California insurers offer a retiree discount. Retired persons don't have to drive to a place of work every day. A person's total mileage is an important point that influences what is paid in premiums. So anything that reduces your total mileage count by a big margin must cut down your rate.

This savings option is certainly not one any retired person should ignore. Get your insurer's policy on this from your agent. Even if they don't refer to it as retiree discount, registering a remarkable cut in mileage is advisable. You should get a a cheaper rate if the change in your mileage is considerable.

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4. There are many anti-theft devices like automatic gas cut-off system, alarm systems and so on. The risk of theft is an important factor that affects your rate. And because these devices lower the probability, you'll get a sizeable discount if you have them. Vehicles without such devices are easy targets for car thieves.

5. Those who live in crowded areas are more likely to encounter one type of car accident or another when compared to people who live in sparsely populated areas. Sparsely populated areas attract much cheaper rates since they're less exposed to risks of vandalism, theft, collision and other challenges that are normally typical of highly populated areas.

6. For no reason must you allow your California auto insurance policy to lapse.. You'll pay very expensive rates for a considerable length of time if you let this happen albeit inadvertently. Don't make room for this mistake if you're changing insurers because that's one situation where this happens to many people.

To avoid this, wait until the new policy is fully in operational before you cancel the old. As simple as this may seem, many people are bearing the pain of higher rates because of this silly little oversight.

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7. Is it possible you have a car that you've not used for a long while? Do you have a broken car? Is this car still on your auto insurance policy or have you removed it?

The painful reality is that more people than you could imagine are paying higher rates than they should because of such negligence. Don't make this mistake.

8. You can lower your auto insurance premium by getting and comparing quotes from at least five good insurance quotes sites.
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