subject: Irvine Auto Insurance Factors That Lower Your Rate [print this page] There are two reasons why you must have Irvine auto insurance. The first centers on legality. In California, there is a law that makes all drivers financially accountable for any accidents they are involved in. If you do not get insurance, you must pay the DMV $35,000 in cash or a surety bond. Second, there is the issue of Irvine itself. Home of six major highways, the city is always bustling with traffic. This increases your risk of getting in an accident. Fortunately, with a good car insurance policy, you will be covered even if the worst happens. It just becomes a matter of finding the lowest rate. Now if you do not feel like researching providers, there are a few things you can do right now to lower your Irvine auto insurance. First, make sure your car is fully repaired and up to date with anti-theft technology. Both factors lower your premiums, regardless of which company you choose. Next, try to improve your credit score by paying off your lowest bill. In the world of car insurance, people with good credit are assumed to be better drivers. Whether or not that is true remains to be seen, but still do what you can to meet their expectations Finally, if you are planning on going to back to school, do so before getting your car insurance. The reason why is because many providers offer generous student discounts. Try to take advantage of them if schooling is one of your main goals.
The other factors that lower your rate are not necessarily in your control, however you should still know about them. At the top of this list are those who are considered good drivers. These individuals tend to be in their 30s or 40s, and have had no traffic violations on their record. They are also more likely to live in suburban areas, since metropolitan locations attract large amounts of traffic. With that being said, if you fit these criteria, expect to get the lowest rate from any car insurance company. Otherwise, you will have to lower your rate through other means. This includes finding a cheaper provider and getting a minimal policy. Quoting websites can help you find the cheapest companies, but for the latter element, you will have to assess your situation. For instance, in California, you only need liability insurance to meet the states legal requirements. However, if you drive a clunker, you may want to also include comprehensive and collision coverage, as these policies are designed to cover your damages. Liability policies only concentrate on the victims losses. Either way, talk with an insurance specialist to help determine which policies are absolutely essential for your situation.
by: Fern Baptiste
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