California Car Auto Insurance
by Chimezirim Odimba
Contrary to all you might have come to expect, you don't really need to do very great things in order to attract the most affordable rate that gives you adequate coverage. Just understanding some compulsory things and using them will make a big difference. Let's go through some of them here:
1. Drive carefully if you're really serious about getting cheaper auto insurance rates. You'll be making a good resolution to stay away from the wheels if you take alcohol.
Driving while drunk, howbeit slightly, will make you pay exorbitant rates if you're fortunate or be forced to be without car insurance if you're not so lucky. And don't ignore those speeding tickets because they cost you far more than what you pay as fines. They eventually increase your rate. For your safety then and cheaper rates, never violate any traffic law no matter how minor you think it is.
2. We all know that no age bracket pays as much for auto insurance as drivers who are less than 25. But for drivers who fall within this age range, having good grades at school will help you get cheaper rates.
The good student discount is for those who get A's or not less than B's. For students who make themselves eligible, you can get discounts of about five percent. Young drivers with excellent grades are usually considered more responsible and less likely to take to recklessness behind wheels.
3. Some lines of duty get lower rates. Scientists, for example, get far more affordable rates than business owners. The reason for such concessions is that some occupations have been proven to be better risks.
You agent is in a good position to tell you if your line of duty attracts certain discounts. Just note that each insurance provider might maintain a slightly different position.
4. You'll get cheaper premiums if you pay by Electronic Funds Transfer (EFT). This authorizes your bank to credit your insurer with your payments without any intervention from you until you advise to the contrary. This reduces costs by removing the necessity of payment notices or checks. Your premium is therefore lowered to reflect the cheaper cost of giving you insurance.
5. There are cars that cost far more to give adequate car auto insurance coverage. It will be a wise move if you discuss with your agent before choosing your next car. Avoid any car that has a high theft rate and/or a poor crash rating.
Another thing to find out is the cost of maintaining a car because it is also a factor that determines your auto insurance premium. With a little diligence you can avoid buying a vehicle that will cost you much in extra premiums over time.
6. You can get cheaper rates on auto insurance now by visiting a minimum of five insurance quotes sites. Each site will take you about 5 minutes or less to obtain quotes. (Some people give details that are NOT really correct about themselves. That isn't smart since the quotes you'll get this way will NOT do you any good). You'll have to choose lowest auto insurance quote for you from the list of quotes you've obtained. It's as simple as that. Nevertheless you could make savings hundreds of dollars.
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