Having insurance is one of the most important parts of being a responsible car owner. Although we understand that sometimes insurance can be pricey but here are some tips for you to get cheaper insurance, these will decrease your insurance rates. You probably already know that the insurance rates are based on different factors and there is a way to turn those factors in your favor.
Safe Cars. How prone the car is to have an accident is one of the things that determine your insurance's rate. For some people like sports cars but you have to keep in mind that sports cars are not cheap to insure, make sure you can afford insurance rates for your car, you can get estimates with us so you have an idea of how much you are going to be spending on insurance. Usually, the cheapest cars to insure are medium-sized sedans.
Marriage Discounts. If you are married, adding your spouse to the policy, as long as both of you have a clean record, will decrease your insurance rate because most companies offer marriage discount. Even if your spouse doesn't drive, you can add them as an excluded driver just so that the insurance company honors the marriage discount.
Keep a Clean Record. You probably already know as well that a not-so-clean record will increase your policy rates because tickets and accidents place you at the insurance company's high-risk driver category so if you have a clean record, try your best to keep it that way if you want your insurance rates to remain low.
Go High on Deductibles. If your car is financed, the company requires you to get Full Coverage for your car with a deductible of $500 at least but little did you know, if you go high on deductibles, it will decrease your insurance rate. Try to go for at least $1000, that way you'll be even more protected ¯\_(ツ)_/
Driving Courses. This is mostly for teen and senior drivers because there are courses they can take to prove they are responsible drivers and that they are capable of safe driving, take this courses and it will also decrease your insurance rates and get discounts.
Named Insured This is something not everyone knows but when the named insured is over 25 years old, or married or both, these are the perfect candidates for insured companies. Also, women are cheaper to insure so if your spouse is a woman, consider making her the named insured and it will decrease your insurance rate.
Bundle. If you own a house and have homeowners insurance or a boat, etc. You can ask your insurance company if they insure your car too. This way you will have all your biggest investments insured with the same company and this way it is usually cheaper than having separate policies for each thing. If your current company doesn't do that, well, we do.
If you need further assistance and/or if you have any questions about this, feel free to contact us:
Or visit any of our offices:
1310 Chamberlain Ave.
Bakersfield, CA 93305
1420 High St.
Delano, CA 932151
497 E. Center Ave. Suite A
Earlimart, CA 93219
802 Navajo Rd. Suite D
Perris, CA 92570
2560 Perris Blvd. Suite J2
Perris, CA 92571
917 7th St.
Wasco, CA 93280