Here’s what you should keep track of:

• All of the information that you have from when you first bought the car. This includes that big envelope containing your contract and everything you signed which was given to you by the dealership. You should also have on hand anything about the warranty for your car, as well as whatever ads you saw, if possible, that alerted you to the sell of the vehicle.
• All of your registration stuff. You’ll need to be able to show with your online  auto insurance quote in which state the car was registered when it was bought by you, and where it is registered now (California).
• Any documentation you have about repairs. Your online insurance quote about this will get the information from your CLUE report, but in order to get the best deal, you have to make sure that all of the repairs were done by the dealer or manufacturer with OEM parts. You should also make sure that any statements or bills that the repair shop releases should have your version of the damages, because a lot of times the car lots will sidestep lemon laws by playing with words.
• California auto insurance law requires you to tell the dealer that your car is a lemon, so you need to send a letter. Make sure you have a copy of this, as well as the response, and any other correspondence between you and the manufacturer. Also make sure that all letters are traceable, so that you can have proof that they arrived or not.

There are so many things to think about already when buying a new car, such as how to negotiate the monthly payments, how to avoid high interest rates, wondering whether your credit is okay or not, and pretty much anything but car insurance. The only thought I put into my Compton CA auto insurance quote was grabbing my extra copy of my insurance card as I went out the door and hoping I had a short loan term so I wouldn’t have to pay for full coverage for very long.

I would never think of doing something like that now, and this is because I have learned so much since then in my studies of the car insurance business and the information that I have gathered from them concerning how a Compton CA auto insurance quote is arrived at. A big percentage of the insurance score that determines whether you will have a good Compton CA auto insurance quote or a bad one depends on what kind of car you have.

There is a new study out that shows the top ten expensive cars to insure for this year, and I want to share it so that, on top of considering other factors that will affect your Compton CA auto insurance quote, you will also know which vehicles to avoid if you want a good price. Here they are.

• Ford F-Series
• Dodge Ram Pick up
• Ford Explorer
• Honda Civic
• Chevrolet Silverado C/K
• Toyota Camry
• Honda Accord
• Chevrolet Trailblazer
• Nissan Altima
• Ford Focus

The quotes that were sampled for this study were for a man at the age of 45 with low mileage, who has liability coverage of 300/100/50, as well as comprehensive and collision. For those two final pieces of coverage, the deductible was $250. It should also be considered that some areas in the country have higher insurance prices than others, so one Compton CA auto insurance quote might not reflect on everything else. However, these vehicles are good to keep in mind when you go car buying.

On the bright side, many car insurance companies have found ways to lower prices for their high car insurance premiums since last year. New discounts are cropping up all the time, and Esurance stands as one company that has seen rates drop 2-3%. Most states are seeing rates drop, except for the few who are having problems with fradulent car insurance claims, such as New York. In any case, if you avoid these cars, you have a much better chance of getting a great auto insurance quote.

• Call the cops.

Yeah, this is an obvious one, but when taking it into account remember that haste makes waste. When you call the police after your car has been stolen, you need to do it from the scene of the crime. You need to be prepared to identify your vehicle to the police when they arrive, because speed is necessary in getting back a stolen car. If they don’t have the information they need, then your car could be at the chop shop. Most stolen cars aren’t recovered.

You need to have the license plate number and the VIN number either in your head or on a car in your wallet or purse, somewhere that you will always have on you. You should also keep one copy of your Pasadena CA auto insurance on you and one in your car, and do the same with your registration. The police report can be used by your Pasadena CA auto insurance company.

• Am I insured?

You might not be, as hard as it is to come to terms with. If you have comprehensive coverage, then you will be covered for the actual cash value of your vehicle if it gets stolen. However, if you are still paying off the car, and you don’t have gap insurance, then you could be in some trouble. If you really want to be prepared, make sure that you have rental car coverage and read your policy to see if there are any delays between making the claim and getting to rent the car.

Well, the first thing that I want to suggest to them in this post is that they thoroughly read this site to see if they can’t, applying all of the other discounts and ways to get a better price on southern California auto insurance, find a way to afford their car insurance coverage.

If that doesn’t work, though, and you absolutely have no choice whatsoever other than to drive uninsured, I’d like to suggest a bit of activism. Contact your state legislature.

For some people, that seems a little extreme, but think about it. These people are the ones that made the southern California auto insurance laws in the first place. If there are people who cannot follow those laws, and not for lack of trying, then they should do something about it. After all, car insurance laws are not the same kind of law as no theft, which requires no effort whatsoever. Many people who live below the poverty level, and even many who live above it and right on, find that they cannot perform this required payout.

This is how programs like the low cost southern California auto insurance program come about. If you really want an option for low income, high risk drivers and you can’t do it the usual way, then you need to bring your legislators’ attention to it. It’s in their best interest to decrease the amount of uninsured drivers on the road, so it couldn’t hurt to try.

There are three basic ways to get a California auto insurance quote: through your agent/broker, by yourself on California auto insurance quote comparison websites, or from the California auto insurance company itself. Which is the best way to go? Let’s see.

• Agents.

If you are looking for a California auto insurance quote, then the kind of agent you want will be an independent agent. They’re name is slightly misleading, considering they aren’t entirely independent. However, unlike captive agents, who only give you a California auto insurance quote from one company, they work for several companies and can get you quotes from all of them.

The catch is that agents come with a fee. Normally, you can negotiate this fee, so if you know what you’re doing it might not be too expensive.

• Comparison sites.

This is my favorite way to go. California auto insurance quote comparison websites are everywhere. There are probably a few on this page. Just click on one and fill out the information, and you can get quotes from several different companies with no bias. I find this the best way to start out, because you only have to fill out the information once to get a California auto insurance quote ten different times. Start from here, and write down the companies with the best quotes, and then continue your research.

• Direct company website.

Direct company websites are kind of like captive agents. They are only interested in selling you one California auto insurance quote, so if you’re trying to decide, it’s best to avoid them. You can get the same quotes from the comparison websites. On top of that, there are a few sites that claim to give you the competitor’s rates as well, but normally these aren’t all that they are cracked up to be. I find that the comparison sites are more accurate, and they give you more quotes.

• But my car is already protected!

A lot of people buy a new vehicle, which comes installed with some kind of anti theft device, and they think they are good to go from there. However, these manufacturer installed devices are the most common, and thus the car thieves who have some experience know them like the backs of their hands. If you want to get lower prices on your best  car insurance premium, then you need to think further than the club (also easily overcome) and perhaps get some aftermarket parts.

• Nobody would want to steal my car.

Yeah, that’s what you think. One point is that often, car thieves are not after the car itself, but they want to sell it for parts. And your car doesn’t have to be nice and new and pretty to get parts of it stolen. Air bags are stolen at a rate of seventy thousand a year, and my ex boyfriend’s ugly, junky stereo was stolen out of his fifteen year old car, and the window broken. Car thieves are out to get more than just the obvious expensive cars.

If you want a rule to go by, then older cars are pretty much of equal likelihood to be stolen, because their parts often aren’t made anymore. As for new cars, normally the ones that hit the top of popularity lists are stolen. If you want some hard numbers, check out the website of the National Insurance Crime Bureau.

The first thing that you want to do when you suspect that you are paying too much for your auto insurance is look at your policy. Really read it thoroughly, to see what can be changed and what you need and what you don’t. At the same time, you should start shopping around for other car insurance providers.

With tons of information online for car insurance customers, it is more possible than ever to find free online car insurance quotes and see what your premiums would be with several different companies. However, according to research policy holders only do rudimentary searching for their auto insurance quotes, much less than they would if they were buying a car. Another problem is that people stick with their car insurance company for a long time, hardly ever changing. You can be different. It’s easy.

• Discounts are big savers.
• Drive well to save.
• Change coverage amount when necessary.
• Get a cheap to insure, safe car
• Shop around

What are the cheapest and easiest ways to get a better rate on my car insurance policy?

Margo

That’s a great question, Margo.

There are two main ways that anybody can use to lower their car insurance premium without lifting any more than a finger. All you have to do is call your car insurance company and spend about ten minutes on the phone, and with both of these changes you can save around fifty percent or more on your current  car insurance premium.

The first one I want to address is

• Cutting your coverage!

Collision and comprehensive coverage take up about forty percent of your premium, so if you cut them out you’ve saved almost half of what you were paying already. However, you have to figure out if it is good for yo to drop full coverage and stick to the minimum liability. If you have a leased car, or if you’re buying a new car in payments, then you are probably required to have comprehensive and collision coverage on your insurance policy.

If you’re car is only a couple of years old, then you might want it. No one wants to spend a couple of years paying off a car, and then total it for nothing. I suggest you decide based on how much your car is worth. Case in point: this car

probably does not need comprehensive or collision. The general rule that I go by is that if it’s worth less than a thousand dollars, then you need to cut it down to the minimum liability required by your state. There’s no reason to pay more for your insurance policy than your car is actually worth. That’s just crazy.

Way number two to get a good deal on your insurance policy without barely lifting a finger:

• Raise your deductible!

This is the thing that most people are scared of, because they think that if they raise their deductible, they might not be able to afford it when the time comes to pay for it. Note to class: if you’re a good driver, you don’t have much to worry about. When are you ever going to have to pay your deductible? I have a thousand dollar deductible and I’ve had it for several years, and haven’t had to pay it once.

And if you’re a bad driver? Aren’t you paying enough for your insurance policy as it is? Instead of fretting about the high deductible, raise it, and then put the money you’re saving in a savings account with interest. You might never have to use it, and in the meanwhile, it’s sitting there getting bigger and bigger. I did this three years ago when I first raised my deductible, and I put the savings in a high interest money market account, along with my other savings. It grows by %5, and I’m making money without doing anything at all.

Keep these two things in mind when you’re trying to figure out a way to save on your car insurance premium. Remember that even if you can’t do anything else, you can definitely raise your deductible and cut your coverage.

Cheers,

Fashun Guadarrama.

As a matter of fact, several states, California being one of them, actually require car insurance companies to give you a discount on your  car insurance policy if you have such typical safety features as seat belts and air bags. However, while these are the most common discounted safety features, many car insurance companies want to attract more customers and thus extend their discount to cover more features.

Some of my favorite features that you can get discounts on your car insurance for are electronic stability control and tire pressure monitors. These are two of the most impressive safety features out their, and while the stability control is included on most new cars, the tire pressure monitor is still working its way into the car manufacturing business.

Electronic stability control goes a long way towards stabilizing your vehicle and preventing accidents. When your car goes out of control, it compensates and thus you don’t have to worry about panicking and ending up in a rollover. As for the tire pressure monitors, studies have shown that many of the accidents on our roads were caused or made worse by tires that were improperly cared for. By monitoring this care, the tire pressure monitor can assure that your tires never reach a danger point. If you’re interested in saving money on your car insurance premium, ask your insurance company if they offer discounts for additional safety features.

I’ve heard that you could get a cheaper California auto insurance rate based on what kind of job you have. Is this true?

Mark

It can be.

California auto insurance rate discounts based on occupation are some of the more rare kinds of discounts, because not all CA car insurance companies have them, but there are several that do. If you find that you are in an occupation that regularly gets a California auto insurance rate discount, then it would do well for you to ask while you are shopping around for a new car insurance company. As it is, there are two kinds of occupations that are going to get you the best discounts on your California auto insurance rate, and those are:

• Teaching.
• Engineering.

Some car insurance companies will offer discounts on the California auto insurance rate for teachers by themselves, but most teachers get their discounts by joining a teacher union. However, if you choose to join a teacher’s union for the California auto insurance rate discount, then you ought to make sure you want to join them for other reasons as well. Normally, the discount you get on your California auto insurance rate only just covers the membership dues you will be paying for being part of the union. However, these unions offer lots of services to teachers apart from discount California auto insurance rates, so it’s a good idea to join anyway.

As for engineering, car insurance companies have done research which shows that these people are less likely to get into accidents, which is their reason for giving engineers discounts on California auto insurance rates. Why do they get into fewer accidents? Who knows? Car insurance companies claim that their professions require more attention to detail, which they say is something that permeates their day to day life. As such, engineers are the sorts who will pay more attention to the road, and thus file fewer at fault claims.

You don’t even have to have the job yet to get the discount, in some cases. Several companies are offering a cheaper California auto insurance rate to people who simply have degrees in the field of engineering, as well as in other math and science related fields. If you think you might be qualified, ask your car insurance company before you sign up for a policy.

Cheers,

Fashun Guadarrama.