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California Car Insurance Discounts

If you're looking for California car insurance discounts, you're in luck because there are many rate-reductions available in CA. While each insurance company manages their own discounts, the list below includes all of the common discounts available in the state.

Discounts Based on Your Vehicle

Many of the California car insurance discounts offered pertain to your car. This includes elements of its safety, its use, and any benefit it might offer to the environment.

The most common discount in this class has to do with safety features your car comes with. The most commonly discounted features are anti-lock brakes, anti-theft devices, airbags, and motorized seat belts. Some insurance companies will only offer these discounts on vehicles where these features come with the original car, but it is always worth asking if you will be eligible if you have them added later.

Along similar lines, some car insurance companies in California offer a discount on auto insurance when you purchase a new car with a safety rating above a certain level. Talk to your insurance provider about whether or not your car is eligible. If you are in the market for a new car, you can contact your insurance company to determine if any of your top choices are or are not eligible for this discount. It might make your choice easier!

In support of clean air in California, auto insurance companies in the state will sometimes offer up to a 10% discount on your insurance if you purchase or drive a hybrid vehicle. This discount tends to be more common in urban areas, as Los Angeles in particular suffers from poor air quality and car emissions contribute to that. If you're considering a hybrid for your next vehicle, it's worth a call to your insurance company to see if it would qualify you for a rate reduction.

Many auto insurance companies will give you a discount if your vehicle has some exclusive use that is other than that of a passenger vehicle. If you drive your car exclusively on your farm or ranch or use it mostly as a utility vehicle, you may be eligible for this sort of discount. These discounts are not as common in cities, towns, and other urban areas, but tend to be more prevalent in rural communities.

Finally, sometimes you are eligible for a reduction in car insurance rates in CA if you drive fewer than a certain number of miles every year. While the exact number varies among auto insurance companies in the state, driving less almost always means that you are less likely to get into an accident or have your vehicle stolen. Thus, insurance companies will give you discounted insurance if you qualify for this rate reduction.

Discounts Based on the Driver

After you've exhausted the possibilities for California car insurance discounts based on the vehicle, look into discounts that you or members of your family might be eligible for based on some characteristics of you or your driving.

The most common discounts in this area are safety discounts. You're usually eligible for these when you have kept a clean driving record for the required number of years. This number varies among automobile insurance companies, but if you're a good driver you should check into it. Additionally, some companies have different levels to this discount, so will offer you a certain percentage off your rates when you have a clean record for a few years, then later offer you a higher percentage off if you continue to be accident and moving violation free.

Students tend to have a variety of different discounts available to them. Almost all major insurance companies offer a good student discount of up to 25%. If your student keeps his or her grades above a certain threshold (often a GPA of 3.0), they may be eligible for this discount. Statisticians have found that students who are responsible with their studies are generally more responsible on the road, too, and so insurance companies want to reward them for showing that responsibility. Young male students particularly will benefit from this, as they have the highest base rates of any drives on the road. However, female students will benefit, too, though their rates do not start out as high.

College students who live more than 100 miles from home are sometimes eligible for a discount of up to 40% on their car insurance, particularly if they did not take a car to school with them. Since they won't be driving as much if they don't have a vehicle, they can pay less on auto insurance while they're away.

In addition, most auto insurance companies offer a discount to students or other new drivers who pass a Drivers Education course. Many insurance companies specify certain courses that qualify for their particular discount, so be sure your student or new driver enrolls in the right place.

Older drivers, usually those over age 55, are also sometimes eligible for a car insurance discount if they take a defensive driving course. Since this discount is up to 10% off the base premium rate, it might be worthwhile for even a good driver to take the class, just for the rate reduction. Not all defensive driving courses are created equal, so make sure the one you're looking into meets all the requirements of your auto insurance company. Also, you'll want to make sure that the discount you'll receive on your vehicle's insurance is more than the cost of the class, or you'll pay more overall.

Older drivers are also sometimes eligible for car insurance discounts in California when they retire. This varies widely from company to company, so check with yours to see if this is something they offer.

Finally, some auto insurance companies in CA will offer drivers a discount if they are members of certain associations or groups. These groups negotiate lower fees, then offer that savings to their members. Check with any professional organizations, religious groups, or business associations you might belong to in case this is something they have to offer.

Other Discounts

Beyond those listed above, there are two types of California car insurance discounts that do not depend on either the driver or the vehicle. The first of these is a combination discount. Many times, if you combine your auto insurance with a renter's or homeowner's policy from the same company, you will receive a 10-20% discount on both policies.

The second discount in this category is a loyalty discount. If you have been with one auto insurance company for quite a while, they may give you up to a 10% discount on your rates if you continue to purchase insurance with them, particularly if you sign up for 6 months or a year at a time. If you don't see this discount on your bill and you're a loyal customer, ask about it.

Pursue Your Discounts

While auto insurance companies in California do their best to ensure that you receive all the discounts you're eligible for, sometimes they miss something. Make sure you stay in touch with your car insurance company about these California car insurance discounts, so you can be sure you're getting the lowest price on your coverage.

 

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