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Unfortunately for many people living in California, automobile insurance is one expense they simply can not afford. For some of these people, the alternative to not driving at all is to drive without insurance. This is never advised and many people who fall into this category are actually eligible for coverage under California's Low Cost Auto Insurance Program. The determining factors regarding who does and does not qualify include the age of the car as well as the income of everyone residing within the home.
For people who are not eligible for this coverage they need to find suitable insurance that is not too expensive. Finding the best rates on automobile insurance in California primarily involves being prepared when you go shopping for quotes.
Even though insurance agents quote a price when asked, motorists should be aware that this is rarely the lowest price they can get. The reason is that most insurance companies offering automobile coverage in the state of California have discount programs in place. This means that if the driver qualifies for the discount, their quoted price will be reduced.
A few examples of possible discounts include:
oLow mileage discount.
oAir bag and anti-lock brakes discount.
oSafety discount which generally is offered when a vehicle either has a security system installed or is parked in a garage.
oMulti-policy discount. This is offered to individuals who choose one insurance company for more than one type of coverage. For instance, taking out policies for both health and automobile insurance from one insurer.
oRetirement discount. When an individual retires it tends to mean less time commuting each day. Many insurance companies offer a retirement discount. In addition, mature drivers can also enjoy a discount if they take a defensive driving course once they reach the age of retirement.
Asking several different insurance agents for quotes will likely yield different prices. This makes it easier for the driver to ensure they are getting the best coverage for their dollar, as they can choose the company they feel offers the best rates for the most coverage.
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Source: http://ezinearticles.com/?How-to-Get-the-Best-Rates-on-Automobile-Insurance-in-California&id=622147
