Reader question:

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

Margo

That’s a great question, Margo.

There are two main ways that anybody can use to lower their Hesperia CA 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 Hesperia CA 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 Hesperia CA car 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 Hesperia CA car insurance policy than your car is actually worth. That’s just crazy.

Way number two to get a good deal on your Hesperia CA car 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 Hesperia CA car 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 Hesperia CA 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.