Lowering Your Auto Insurance in California

California auto insurance rates for your vehicles widely vary depending on your auto insurance provider, company, broker, agent, your requested coverage and the type of vehicle you use. California auto insurance rates varies, but you can do the following listed thing in lowering your auto insurance costs.

1. Comparison shop. Shopping around pays, because California auto insurance rates for the same coverage differs from one company to another. Talk to your friends, or make enquiries from the California Insurance Department (phone numbers are listed). You can also seek informations from any California auto insurance company, consumer guides, or insurance agents. By so doing, you get an idea of various prices, and then you can decide which company to go for. But take note, dont shp for prices alone.

2. Seek higher deductibles. Deductibles symbolizes the prices you pay proir to making a claim. By asking for higher deductibles on collision and comprehensive (fire and theft) coverage, you consequently reduce you auto insurance costs greatly. As an example, when you increase your deductible to $500 from $200, you consequently lower your collision and comprehensive cost by 15% to 30%.

3. You don’t need collision and/or comprehensive coverages on older cars. You dont need collision or comprehensive coverage on vehicles that have less than $1,000 worth, the reason being that any claim made will not greatly exceed the yearly cost and deductible amounts. It is not cost effective to do that. The worth of the car will be told by auto dealers and banks.

4. Buy a car with a low profile. Prior to buying your car, whether used or new, it is important to check auto insurance costs. Cars which have expensive repairs, or with a high statistics of car theft usually have a high auto insurance costs. Informations on these can be gotten from the Insurance Institute for Highway Safety.

5. Take advantage of low mileage discounts. Some california auto insurance companies provides motorists with discounts for driving a few predetermined amount of miles per year.

6. Don’t overlook insurance cost when taking a step. Lowering your auto insurance costs tends to be more successful in rural area, than in city centers where there are more traffic problems, and other factors. 7. Find out about other discounts. There are also other available discounts such as discounts for automatic seat belts and air bags. Some other auto insurance providers provides discounts for owner of more than one car, drivers with no accidents records in 3 years, discounts for aged drivers from over 50 years, discounts for installation of anti-theft equipments, and discounts for students with good grades.