California Auto insurance can be a hefty burden for some households, but it’s often necessary. Fortunately, there are ways to lower your premiums, if you take the time and initiative to carry out a few tasks. PrimeWest Insurance is a top Los Angeles auto insurance agency, able to shop multiple carriers to get you the best rates on car insurance. Here are six options to consider to lower your next bill.
1. Raise Your Deductible
When you have a low deductible, the insurance company will pay out more than if you have a high deductible. To reward those who opt for higher deductibles, they will usually lower your rates. If you do choose a higher deductible, make sure you have that amount in savings, so you can cover the cost in the event of an accident.
2. Ask About Discounts
Some companies give discounts for having a car with a high safety rating, being a member of the military, being an AARP member or being part of some other organization. It never hurts to ask. You might get tips on which car to buy next, so that you get a more favorable rate on your auto insurance in the future.
3. Bundle Your Insurance Policies
Insurance companies may offer discounts if you have more than one policy through them. Check with your home, life and auto insurance agency to see what they can do to make it enticing for you to move all your policies.
4. Pay Annually
Paying once a year eliminates administrative tasks. It also lowers costs for your insurance company. Your insurer is often happy to pass on some of their savings to you. Even if you can’t pay in one installment, try switching to biannually or quarterly.
5. Improve Your Credit
This isn’t something you can do overnight, but if your credit is poor, a few actions can go a long way in improving your credit. In turn, you’ll get better auto insurance rates, as companies have determined that there’s a correlation between good credit and safe drivers.
6. Take A Safe Driver Course
If you are at least 50 years old you may be able save on 5% on California Auto Insurance by taking a driving class. Give us a call to see if we can find an approved course for you.
Doing these actions may help lower your car insurance rates. If you’re looking for a new insurer, we welcome you to reach out to us for help finding a car insurance policy that’s right for you.
Driving safely can help keep your rates down. It’s always best to get a few quotes before making your decision. PrimeWest Insurance can help you get auto insurance quotes quickly. As we mentioned, most of our customers save the most with a Mercury Auto Insurance Policy. Are you ready to speak to one of our insurance specialists? Please call (866) 920-2622.