Californians are people who are usually on the cutting edge. This seems to be true with regards to their automobile insurance. There are a number of discounts available that are specific to drivers in the great state of California. Check out some or all of these to start reducing your insurance premiums.
California drivers are the first ones to get a discount on their car insurance if they drive a hybrid or any other vehicle that uses alternative fuel. Consult your insurance carrier to see if they are offering these discounts.
Combining your insurance needs into one company will give you instant savings. And having your car, renters or homeowners, and life insurance all with one company will simplify your life as well as reduce your rates.
Young drivers who have less than nine years of driving experience and still live at home with their parents may qualify for a discount if they complete an approved driver-training course. Keeping young drivers safe and teaching them the rules of the road is a valuable option. See if your insurance carrier offers this discount.
Many companies reward good drivers with discounts for going up to three years without any accidents or traffic infractions. They also offer discounts to their loyal customers who have utilized their services for a certain period of time.
You can save on collision coverage if your vehicle has an electronic stability control. And you can save on comprehensive coverage if your vehicle is equipped with anti-theft devices and anti lock brakes.
Good students are rewarded with lower rates to encourage continued academic achievements. And these discounts can be good for students up to 25 years of age.
Factory installed air bags are usually a factor in reduced rates as are any additional safety features such as alarm systems or any other type retrieval device such as a LoJack.
If you are at least 50 years old you will receive discounts for the entire family if you are the oldest person in the household. Other drivers who are 65 year of age and older may qualify for discounted rates if they complete a state approved drivers education course.
Probably the easiest way to reduce your car insurance costs is to raise your deductible. You could save from 15% to 30% just by raising your deductible from $200 to $500.
Shopping around for the best rates is still the best way to pay less for your car insurance. Make sure you ask your insurance agent if any of these discounts are available through their company. It never hurts to ask.