Can Rising Gas Prices Equal Cheaper California Car Insurance?

No one really expects any good to come from rising gas prices-especially when those rising gas prices are accompanied by an equally dismal economy. What you have to remember, however, is that it’s not just the foolish optimists of the world who manage to find a silver lining in the sludge of reality. Every once in a while that sludge does start to shimmer, and that’s when you realize that the rapidly rising gas prices just may hold the key to cheaper California car insurance.

No, this isn’t a fantasy. If it were a fantasy gas would be under a dollar and superfluous, since you could teleport yourself anywhere you wanted to go anyway. (Beam me up to the Bahamas, Scotty!) The relationship between rising gas prices and a falling car insurance rate actually makes sense if you think about it. When are you going to spend more time on the highways-when gas is cheap or when the prices put the cost of the latest Panichgul Thakoon or Ruben Singer to shame?

Right. When it’s cheap.

Since gas in the summertime in California can’t be considered to be anything resembling cheap (although anything’s an improvement over last year’s pie in the sky dollar signs) more people are looking for ways to cushion the blow to their budget. A cushion that’s coming in the form of bikes, hikes and public transportation, decreasing the amount of emissions being let loose in the atmosphere and greatly reducing the cost of your California car insurance.

If there’s one thing car insurance companies hate, it’s having to insure a driver that they know is going to total their car at least once during their tenure as “the insured”. Low risk drivers look good on their profit and loss statements, which is why they go out of their way to draw them in. By spending less time on the roads using alternate forms of transportation you’re minimizing your own personal risk, decreasing the chances that you’ll be in an accident and sending the odds of anyone being injured as a result of an accident for which you are responsible plummeting.

Those lower mileage savings, (hopefully) coupled with your five year good driver discount, can shave up to ten percent off of your California car insurance policy. Most nationwide car insurance companies set the max for cheap car insurance around 15,000 miles a year (give or take), assuming that as long as you have a relatively short commute and confine your vacations to one or two a year you’re going to be a dramatically lower risk for an accident than, say, a travel writer who spends half their life on the road.

The bottom line is, if you scratch the back of the company providing your California car insurance policy they’ll be happy to scratch yours, so sit back, forget that unnecessary trip to WalMart and enjoy the satisfaction of watching the balance of that savings account grow.

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