Strange Ways to Save Money on Your California Auto Insurance When You're Living in Los Angeles

Strange Ways to Save Money on Your California Auto Insurance When You're Living in Los Angeles

If L.A. is your regular stomping ground you already know how to cut corners with your budget. Hey, living in Cali isn't getting any cheaper! There are some things you just can't cut corners with though. Food. Shelter. Your California auto insurance. You know, all of life's little essentials!

Saving money doesn't much stranger than this-does it?

You probably already know the basic of how to save money on your California auto insurance. Pump up the security features on your car, talk to your agent about auto insurance discounts. If you don't, just take some time to check out our insurance information section for answers to your most commonly asked auto insurance questions-including how to shave 20% off your premiums. Since you already know the basics, let's take a look at the advanced curriculum-and some of the strangest ways that people are shaving big bucks off their monthly insurance payments.

Pro Tip #1: Become a hermit. You know, you laugh, but in today's digital environment, with more people than ever doing business over the Internet and everything from frozen food and grocery services to personal shoppers delivering life's (actual) essentials to your doorstep you really don't need to leave your house for much! And if you never have to hop behind the wheel you're not going to have to pay a penny to be out on the roads. In fact, if you play your cards right you may even be able to sell your car completely!

Pro Tip #2: Cut a deal with your repair shop to cover your deductibles. It might not help you with the costs of your premiums, but your deductibles (the checks you cut to cover the costs of repairs not covered by your Los Angeles auto insurance policy) can be a hefty sum of money to come up with off the bat and with little to no warning. I was reading a blog written by the "Consumer Queen" the other day who mentioned she'd been able to trade the cost of her deductible for helping her local garage with some advertising.

Pro Tip #3: Suck up your pride and sign up for a driver's improvement class. Most of us only think about going to driving school when the judge slams his gavel and says we have to go, but much like rehab driving classes are something you can sign up for voluntarily too! And since you're proving yourself to be a responsible driver without a judge forcing you to become one, your California auto insurance provider is going to respect your initiative. Want to guess how they show that respect? By shaving money off your annual premiums.

Pro Tip #4: If you can't afford a regular policy, look into low cost California auto insurance instead of dealing with the cost of driving uninsured. Whoever said driving around without a Los Angeles auto insurance policy was going to be cheaper than paying for insurance never saw the fines and potential costs that go hand in hand with driving uninsured. If minimum liability insurance is really beyond your budget you may qualify for the low cost California auto insurance program. It may not be optimal coverage, but it's better than nothing.

And finally…

Pro Tip #5: Sell your Lamborghini and pick up a clunker from the local junkyard. You can use the difference in the purchase price to fund your California auto insurance for years.

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• Strange Ways to Save Money on Your California Auto Insurance When You're Living in Los Angeles - Oct 1, 2009 - 4:23:56 PM