Top 5 Tips on Getting The Best San Diego Auto Insurance Rates

May 25, 2017 · Posted in General Articles on Car Insurance 
by Frances Belot

Do you live in the San Diego area? If you do, and you own a car, you should get San Diego auto insurance. Why? For one, you need to abide with the law. The state law requires every vehicle owner in California to get their car insured as a protection in times of trouble.

Getting an auto insurance will help keep you from getting into financial trouble when you or any of your family member gets into a car accident. Your insurance will cover the costs incurred by property damages and personal injury.

But how do you do it? Before you buy insurance policies, you need to make sure that you have checked with as much San Diego auto insurance companies to get the most attractive quotes. Here are some tips that should help you:

1. Search regularly for quotes. You may not know it but you could be paying the same premium for an old car–the same amount you could pay for a new one. So why waste more money when you can find something cheaper? You should regularly search for better quotes to increase your chances of getting better rates.

2. You should seriously consider getting a liability only insurance if you have an older vehicle. When you do this, take note of how much your car is valued.

3. Take a defensive driving course. If you want to save money on your auto insurance, you can take a driving course. As a matter of fact, a simple 6 hour defensive driving course can save you up to 10% on your insurance premium. You need to contact your local department of motor vehicles for information on taking this course. There are different ways on how you can take this course. Most of the times, you can take this course by mail, by video, or even online.

4. Make you that you maintain good credit. You will be able to get lower premiums when you maintain a good credit standing with your bank or San Diego auto insurance agency. You can do this by paying on time. Staying current on your payments will make your record look good.

5. Stick to one insurance agency. It’s recommended to stick to one insurance agency if you are planning to get life, home, fire, boat or any other types of insurance. If you stick to one insurance agency and have multiple policies, they will be able to slash a significant percentage off your premium.

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