When you look for California car insurance somewhere like this, your best bet will be to compare multiple carriers. Each company is going to offer you something a little different and in this open marketplace there is something for everyone. It’s possible to find a match that will keep your premium affordable.
But there are other features, too, that you might find important. Are you an on-the-go kind of consumer that appreciates having a mobile app for business matters? You might want to engage with a carrier that allows you to file claims and pay your premiums with your phone.
Paperless billing cuts down on waste and is becoming more popular. You can find companies that will offer this feature, which has ecological benefits, too. Some green vehicles are discounted, and for some companies a newer car is cheaper to cover than an older one.
Safety features count in car insurance discounts
Passive safety features like airbags count and so do other features like a rear view camera and daytime running lights. Anti-lock brakes are very big factor in discounts. If your vehicle has anti-theft devices, you will see a bump down in cost of policy from many carriers.
Defensive driving courses will almost always qualify you for a discount. This is something that is more important as you age, because your risk factors go up and so does the cost of a premium. It is also important for young, new drivers, who might also qualify for a good student discount.
If you are accident free, many carriers will lower your premium. The same is true if your driving record is clean, as well as your claim record.
Some occupations will qualify you for a cut rate. Insurers may have affiliation discounts that you qualify for. Many offer cuts in premium costs for active military personnel.
How you pay for car insurance counts, too
You may get a discount for paying in full in one lump sum, but if you can’t do that, you will want to make sure your chosen carrier allows you to pay in increments you can afford. You do not want to risk a lapse in coverage by missing a payment.
If you stay with your insurer for a long time it may give you a loyalty break. But if you are a new customer, you may get a cut in premium as an incentive.
The bottom line is that comparisons will help you match your own need to the right carrier.