Make Up for Company Cut Backs by Slashing the Price of Your California Car Insurance

There’s not a single company out there that hasn’t felt the pinch of today’s economy. With layoffs and unemployment climbing and government IOUs putting on extra pressure, employees are the ones paying the price for the current recession. Most people are looking for ways to shave their expenses

There’s nothing like rush hour traffic to make you appreciate your California car insurance-but are you paying too much?

and save money in the face of lost wages, decreased (and nonexistent) bonuses and an overtaxed job market that just doesn’t have room for anyone else. You can do that by slashing the price of your California car insurance.

Think about it. When you get right down to it, what are the basic necessities of life when you’re living on the west coast? Food. Shelter. Clothing. And if you don’t want to be dependent on the tenuous availability of public transportation you need a vehicle, gasoline and car insurance.

In the eyes of the state of California, car insurance needs to cover:

a) $15,000 in bodily injury coverage per person,

b) $30,000 in bodily injury coverage per accident, and

c) $5,000 in property damage per accident.

(Most of the time you’re going to want to carry more liability coverage than this, and you’re probably going to want to add uninsured/underinsured motorist, comprehensive and collision coverage to the mix. But that’s neither here nor there.)

Depending on how risky your California car insurance company thinks it is to let you behind the wheel, your car insurance rates could be considerably higher than you’d like them to be. That’s a bummer. The good news is, it doesn’t take much to knock 10-20% or more off your annual premiums! Follow these easy guidelines and you’ll find that living in California gets much, much cheaper in a much shorter period of time.

1) Drive safely. The first rule of finding (and keeping) cheap California car insurance is to keep from being involved in accidents and traffic violations that are going to pull up your car insurance rates.

2) How’s your credit? Believe it or not, your credit score is going to have a huge impact on how much you’re paying for your car insurance. A good credit score=cheaper car insurance rates, so if you’ve got some black marks on your credit now’s the time to take care of it.

3) What kind of safety and security features does your car have? Safer cars (and ones that are less likely to be ripped off!) are going to be cheaper to insure, and simple things like seatbelts, GPS tracking systems and automatic locks can do wonders for your insurance rates.

4) Lump your car insurance, motorcycle insurance and homeowners insurance together onto one policy. Most companies offer pretty good discounts to drivers who double up their coverage with their company, and those discounts can do wonders when it comes to padding your bank account.

5) Speaking of discounts, are you getting all the ones you qualify for? You’d be amazed by what can save you money on your California car insurance rates. Talk to your agent and find out what discounts you should be getting that you’re not, and kick the strain on your budget from your car insurance payments to the curb.

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