Thursday, May 24, 2012

California Car Insurance

Many people are looking for ways to save money on their auto insurance in California and there are many ways that this can be achieved. Reducing your auto insurance costs frees your money up for more pressing needs, and in today’s economy this has become increasingly important. Listed below are some steps that can significantly reduce your rates.

Step 1: Comparison Shop

You have surely heard this before, but it bears repeating. When you are in the market for a new car you visit several lots before choosing one. Some lots are cheaper than others, and even if you are only saving $500 on the model you want, that is $500 that you do not have to spend. The same principle stands for auto insurance. Comparison shopping for insurance used to be something that took a great deal of time. However, with technology being what it is, looking for multiple insurance quotes is as simple as sitting down at your computer. The more you have to choose from, the better deals and discounts you will find.

Step 2: Combine Your Policies

If you have your auto, life and home owners insurance at different agencies, make sure you see what can happen if you put them all together during your comparison shopping. You may find putting them all in one company to be advantageous.
Another way you can go is to talk with your current auto insurance company and see what type of discounts you can get if you also put your homeowners and life insurance with them. This would show loyalty and many companies will reward loyalty.

Step 3: See About Family Discounts

 If your family has more than one car, and each policy is with a different company, see what type of discounts you can get for putting all the family vehicles with one company.

Step 4: Change Your Coverage

If you have a car that is older, you may want to check out quotes without collision. It is rarely worth keeping collision on an older model vehicle as the deductible is likely more than the car is actually worth. Dropping collision can really lower your quote so this is certainly worth looking into.

Step 5: How Safe is Your Vehicle?

How safe your vehicle is can make a great deal of difference in what your auto insurance quote will look like. For instance, where is your car parked when you are at home? If you have it in a garage enclosure you may qualify for a discount. If you have an alarm system, that can also make a difference. Make sure to check with each company to see if they can offer you anything in this realm.

All of these steps can help you to save a substantial amount of money on your California car insurance. However, the best thing you can do to get a good rate and make sure you keep it, is to be a safe driver. An insurance company’s favorite customer is the one that never has to file a claim. If you have not had to do so for the last few years, your chances of getting a lower rate are much higher. Keep this in mind each time you drive so you can keep your insurance rates at the best price possible. 


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