1. You’ve taken a defensive driving course
Many companies offer discount car insurance to clients who have already taken a defensive driving course. If you’re certain that your insurer offers this type of discount, then why not sign up for the next class? Just make sure it’s an accredited one!
Given your additional training on skilled driving and accident prevention, it will give your insurer just cause to reduce your car insurance premiums. Likewise, if you’d like to avoid accumulating points on your drivers license, do take and pass this course. Your your driving skills will improve for the better and you will have a lot less chance to end up doing something on the road that will lead to a ticket or an accident that is your fault.
2. You can claim low mileage
If you are somebody who prefers to commute on weekdays and stay home on weekends, then this equates to low mileage for your vehicle.
Or if you can keep you daily commute down to 5 miles or less you should be eligible for a low-mileage discount. Increase that amount to 30 miles and you will probably loose that discount. Check with your insurer where their break point is in order to receive a low mileage discount. Usually it is a yearly mileage of approximately 7,500 miles.
3. You’ve installed alarms and anti-theft devices
Most companies rate you more favorably when you have working alarms, brake locks, and anti-theft devices installed in your vehicle. But always ask your agent which security devices will lower your premium before you add them. They might not make a difference to the cost of your insurance policy at all.
Adding the correct features might cost you in the beginning, but eventually it will pay off via money saved on your car insurance and peace of mind that your car is protected from being stolen.
4. You buy a car with the latest safety features
If you own a car with extensive safety features such as airbags, anti-lock breaks and automatic seat-belt systems, you will automatically be a candidate for dollar saving discounts that apply to these features.
5. You are the owner of other policies
Finally, if you possess other types of insurance policies other than car insurance, don’t forget to take advantage of this. If you are a homeowner or a business person, it helps decrease your premiums if your homes and offices are insured by the same agency. What’s more, it also helps your discounts when you’ve got proof of several vehicles insured under them. The ownership of multiple insured vehicles entitles you to a special class of discounts.
So you see, it doesn’t take much to entitle you to cheap car insurance in CA. If you fall into these 4 simple circumstances, you can enjoy a full-coverage plan at its cheapest!