Cheap California Auto Insurance Quote: Eleven Tips

Large insurance companies can give you a cheap California auto insurance quote if you know what to ask for. Don't wait for the insurance agent to present you all the discounts you can get. Here is a list of things that can get you a cheaper insurance.

If you have more than one car to insure, most companies will give you a good discount for a multi-vehicle insurance. Many of them will sell you separate policies for each car. However, if you put them all on the same policy, the cost per vehicle will be significantly lower.

If you are a student and you have a 3.0 or higher average grade, you have better chances of getting a cheap auto insurance quote in California. Many companies will give you an up to 15 percent discount on the primary car that you drive.

If you are an active or retired member of the military, you can get a discount of 2 to 15 percent on your insurance policy depending on the insurance company you choose.

Chances of getting a cheap auto insurance quote in California also depend on your educational background and occupation. Some companies offer special discounts to Scientist, Engineers, Teachers, Computer Professionals, Doctors and CPAs, as well as other jobs that require a license, certificate or an university degree.

If you have an anti-theft device on your car, you are in a better position of getting cheap auto insurance. A GPS that would help locating your car in case it is stolen lowers the comprehensive part of your insurance premium.

Safety devices such as airbags, day-time lights and anti-lock brakes can also make you entitled to a discount with many insurance companies.

If you already have a homeowner's insurance, you can ask from an auto insurance offer from the same company. A multi-policy discount can amount to 15 percent of the policy.

A driver training course is an indicator for the insurance company that you run lower risks of getting involved in an accident. This can offer you a discount of up to 5 percent.

If you are over 50, you can get a mature driving certificate from the DMV. This will also entitle you to a good discount.

And finally, avoiding reckless driving and keeping a clean driving record improve your chances of getting a lower rates for your auto insurance and helps you keep your rates at the same level. Any accident that you are responsible for will increase your policy premium.