subject: Five Ways To Save On Car Insurance [print this page] Orange County is one of the most beautiful and affluent counties in all of California. It is also one of the most populated with more than 3 million people living in over 2,000 square miles of coastal real estate. The lifestyle is one of relaxed conservatism with most residents driving private automobiles for transportation. Thus, car insurance Orange County is an essential part of life for all automobile owners. Affluence means that in a collision the vehicle you will be involved with is likely to be an expensive one.
When searching for your preferred car insurance Orange County there are some considerations that will help you get maximum coverage for your insurance dollar. With the rising cost of insurance, it makes sense to do some research and planning before you sign a contract with any insurance provider. Protect yourself and your family and still save money by following these guidelines.
1. If at all possible, pay your insurance premium annually. You will not only save money you will also avoid any issue with cancellation of your policy because you were busy and forgot to mail it, the premium was lost in the mail or any other unforeseen circumstance that might occur. There are additional transaction fees with paying monthly with both your bank and the insurer, so always pay once a year whenever possible.
2. Work with one company no matter how many vehicles or what types of vehicles you are insuring. If you have a boat, an RV, teenagers, or other specialty situations you are most likely to get discounts and save when you have everyone and every vehicle commonly insured. Insist upon such discounts when speaking with your agent if she wants to keep your business. Keep in mind that lower profile vehicles are always cheaper to insure.
3. Do not be afraid to comparison shop. Take your time, ask your friends, and seek every bit of advice possible. Insurance companies vary greatly in both coverage and price, so this is essential to locate the best possible deal for car insurance Orange County. Consult such resources as Consumer Reports for more guidance in this area.
4. Look for special discounts such as nonsmokers, students who have Honor Roll grades, senior citizens, no accidents, low mileage and even for discounts for people who do your line of work. Ask the insurance representative to inform you of all possible discounts that may be available to you. Remember that each one serves to lower your premium a bit resulting in a much larger savings annually.
5. Adjust your deductibles as high as possible. Higher deductibles mean lower premiums, a safe bet if you seldom have to file an insurance claim and can afford the amount of your deductible. You will need to make some calculations to see whether this is a wise strategy for your particular situation and driving history.
I hope that following these five suggestions will result in a substantial savings for your family while retaining the coverage you need. Car insurance Orange County may be necessary but it does not have to be painful.
by: Fern Baptiste
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