Best Car Insurance Rates in California?
Okay, California has some pretty high rates of theft among cars, so if you want to get the best car insurance policy, you need to be careful with your vehicle. One, because if you aren’t, then you are at much higher risk for having to make a comprehensive car insurance claim, and two, because if you aren’t then you will probably have to pay more on your best car insurance coverage premium. Some people think that these measures only need to be taken when you have comprehensive coverage, but this is a situation that you want to avoid all around. Here is some advice.
- 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.
California Car Insurance Discounts
For awhile I thought this particular discount was a no brainer, but it turns out that there are plenty of people out their that don’t know about it. The reason for this is that, while I struck lucky and my first car insurance company told me about it, there are many car insurance policy holders who have never heard that you can get a discount for the safety of your car. There are obvious connections between the car that you drive and the cost of your premium, yes, but not always do they connect these to the safety features of the car.
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.
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