You Need to Ask for Cheaper Rates
Sometimes the only secret you need to know about finding a cheap auto insurance rate is to ask for it. Many drivers find they can get a lower rate just by calling their current provider and asking if something is available.
There might also be changes in your information that needs to be updated. Have you gotten a new vehicle with better safety features? Are you working closer to home? Have you moved to a safer neighborhood? Things such as this can lower your rates.
There are other factors that can affect your rate, too. If you have gone a significant period of time without a traffic violation, you might be eligible for a lower rate. However, your insurance company might not jump at the chance to charge you less. Call your provider and ask them if your driving record qualifies you for a decrease in your current rate.
You Need to Hold Up Your End of the Bargain
Getting the cheapest auto insurance rates requires you be a competent driver. If you get into a lot of car accidents or make poor choices, such as driving while intoxicated, insurance companies have every right to raise your rate. There is no reason why they should risk offering low-cost insurance to at-risk drivers. Insuring poor drivers increases their risk and they need to make up the difference for this risk by charging these drivers higher rates.
If you want to find cheap auto insurance California, do what you need to hold up your end of the bargain. A spotless driving record also gives you leverage if and when you decide to ask for a lower rate.
You Need to Be Willing to Walk
What? If you are going to end up getting from place to place on foot, why even bother searching for cheap auto insurance? In this case, walking does not mean walking as a mode of transportation. It means walking away from your current policy. If you believe you are being charged too much for auto insurance and you find a cheaper rate elsewhere, walk away from the current company.
Many consumers believe if they have received satisfactory service there is no reason to stop doing business with a company. Some even feel guilty. Unfortunately, this need to be loyal can cost you thousands of dollars. If you receive a lower offer from another auto insurance company there is no reason to stick with your current provider. You can ask them to match the lower offer, but if they are unwilling, head to the new company.
If you need assistance finding an auto insurance policy that is right for you, we offer a free search tool.