These days it pays to know what you want when purchasing insurance coverage, and to be armed with a little foreknowledge; buying auto insurance in California is no exception. There are a number of things you can do which might just result in lower premiums, such as:
· Don’t automatically accept the first quote. Get several and compare policies.
·Don’t be afraid to ask lots of questions. Find out if you can get lower premiums if you have vehicle safety features in place such as airbags, or anti-theft devices such as a car alarm system, or if the car is only going to be driven occasionally.
·Check for available multi-policy discounts if you have more than one type of insurance with the same company.
·Decide whether you are prepared to pay a higher deductible in the case of a crash. Accepting a high deductible usually results in a reduced premium.
· Check the Insurance Institute for Highway Safety (IIHS) safety ratings for the vehicles in which you are interested. The IIHS gives crash worthiness results based on tests for high-speed front and side crashes, vehicle rollovers, and seat / head restraint protection. A car with a higher safety rating may also mean lower premiums.
· Consider group insurance options, e.g. your employer or an organization you belong to may have a group deal on car insurance.
·Consider using an insurance agent to do the hard work for you to find the best deal in California car insurance if you do not have the time or inclination to do so yourself.
And above all, don’t forget to keep your premiums paid and up to date – if you don’t and you have an accident, then all the premiums you have previously paid may have been in vain!
· Don’t automatically accept the first quote. Get several and compare policies.
·Don’t be afraid to ask lots of questions. Find out if you can get lower premiums if you have vehicle safety features in place such as airbags, or anti-theft devices such as a car alarm system, or if the car is only going to be driven occasionally.
·Check for available multi-policy discounts if you have more than one type of insurance with the same company.
·Decide whether you are prepared to pay a higher deductible in the case of a crash. Accepting a high deductible usually results in a reduced premium.
· Check the Insurance Institute for Highway Safety (IIHS) safety ratings for the vehicles in which you are interested. The IIHS gives crash worthiness results based on tests for high-speed front and side crashes, vehicle rollovers, and seat / head restraint protection. A car with a higher safety rating may also mean lower premiums.
· Consider group insurance options, e.g. your employer or an organization you belong to may have a group deal on car insurance.
·Consider using an insurance agent to do the hard work for you to find the best deal in California car insurance if you do not have the time or inclination to do so yourself.
And above all, don’t forget to keep your premiums paid and up to date – if you don’t and you have an accident, then all the premiums you have previously paid may have been in vain!
