5 Ways To Reduce Your California Auto Insurance Premium

In today’s tough economy, we are all trying to make ends meet. It makes perfect sense to save money any way you can. Saving on your auto insurance is a good place to start. Before buying Auto insurance in California for your car there are a number of things you can do to make sure you’re getting the most for your dollar.

Here are five simple ways to help reduce your California auto insurance premium:

1. Shop around and compare. It sounds simple, but many people stick with the same insurance company for years without checking to see if another California car insurance company may be less expensive or offers better service. Compare online quotes and various discounts before signing on the dotted line. This is the number one way to cut costs. And if it turns out that the company you’ve been with offers a good rate, then you may be able to get an even lower rate, just by being a loyal customer and asking some important questions. Keep them updated on any changes in your life such as moving or getting married, this may reduce your premium in some cases.

2. Take advantage of auto discounts. You may be eligible for discounts that you’re not aware of. Discounted premiums vary depending on the California Auto Insurance company, but most companies discount for some of the more common situations. For instance, if you’re a member of AAA or other type of auto club, you may get up to a 10% discount off your premium. Or if you have a new car, you may be eligible for a discount as well.
3. Anti-theft and safety devices. A sure way to lower your premium is to buy a car with an anti-theft or safety device such as a GPS vehicle tracking system, anti-lock brakes or air-bags. If you have an older vehicle, installing an alarm system can decrease your premium.
4. Reduce medical coverage. If you already have health insurance and you don’t use your car that often, you may be able to lower your PIP (personal injury protection) coverage and this will lower your payments.
5. Safe driver and credit record. It goes without saying, if you’re a safe driver with an accident and ticket free record, your premiums may be substantially lower. By being a cautious driver, obeying the rules, and not taking unnecessary risks, you’ll insure your record stays in good keeping. And if your credit score is good, you’ll benefit by a lower premium. Most Car insurance companies in California run a credit check prior to making a decision and closing deal.

There are numerous websites that will give you online quotes and comparisons in a matter of minutes. So with a click of a mouse, you can do a bit of research before deciding on which California Auto Insurance company best suits your needs. You’ll be surprised at just how much money you can save and you don’t even have to leave the comfort of your own home to do it.

By: Donald Penske

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Donald Penske is an insurance agent in the state of California and he helps his clients get the best rate for California Auto Insurance. He uses RateElert.com, a site that allows him to combine the power of the internet to match the best rate for auto insurance for his clients.