Cheap Auto Insurance Has Been Found In California!

Cheap Auto Insurance Has Been Found In California!

(Seriously)

Do you know that in some states you pay less for a house than you do your car insurance? Seriously. Okay, maybe not, but there are some places out there where the difference between your car insurance payment and your mortgage payment is pretty slim, and California is one of them.

Why is California auto insurance so high? Because the population of the west coast phenomenon is growing by the day, and a rapidly growing population equals more drivers out on the highways. More drivers equals more accidents (especially if they've been sitting in bumper to bumper traffic for too long) and more accidents equal higher insurance rates as insurance companies struggle to keep up.

Just do the math.

How do you find cheap auto insurance in California when the rates are going through the roof? You have to make sure you're not being punished for the fact that the guy next to you looked at the speed limit sign that said 60 and saw 90, and in order to do that you're going to have to have the squeakiest driving record and the sneakiest auto insurance shopping skills in California.

There are two secrets you need to know to find cheap auto insurance in California. First, auto insurance companies are always trying to win the game of one-upmanship, and second, you do, in fact, get rewarded for being a good person when it comes to your insurance premiums. (Now's the time all those good deeds that never went unpunished are going to pay off!)

The Keys to Buying Cheap Auto Insurance in California

∞ Don't be afraid to shop around. A decade ago loyalty to your insurance company might have paid off, but in today's competitive environment insurance companies are treating their old customers the same way they do their new ones. You have nothing to gain and everything to lose when you stay with a company that's costing you too much.

∞ Foster the spirit of competition. When you ask for an insurance quote, don't be afraid to number drop. Tell them what they're competition is charging you and they'll probably lower their quote.

∞ Be cheap! Ask for all the discounts on your auto insurance policy you can get. Most companies will knock dollars off their asking price for grades, car models and your job on top of the usual discounts for good behavior and ticket-less living. Don't let being shy stop you from taking the lowest price possible on your auto insurance.

∞ A higher deductible usually means a lower premium, so don't be afraid to barter. If you think you can afford it when the time comes, go ahead and barter your deductible for your premiums. You can save hundreds a year when you're willing to pay a couple hundred extra if you get into an accident.

∞ Don't let a cheap price tag convince you to buy "cheap" auto insurance. It's worth a little extra out of your paycheck every month to know that your auto insurance is going to be there fore you.

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