Summer vacation is supposed to be the perfect time to relax, but many may not be in the mood for that. The auto insurance premiums have recently gone up tremendously and there are a number of factors that are influencing the rate. The increase in minimum wage, the increase in medical costs, and addition of young driver are just a few examples. But don’t you worry; because we brought to you today the US Auto Insurance expect Kenny Chang that will share with you some tips and tricks to help lower your premiums.


  1. Select You Vehicle Wisely

The model of your vehicle has a direct effect on the cost of your premium. Generally speaking, expensive vehicles will have higher premium than cheaper ones, but there are some exceptions depending on the model. The premium of a cheap two-door coupe could turn out to be cheaper than a luxury sedan.


Tesla is currently a very popular model because of its fair deal cost. Yet, the premium rated by various insurance companies for this model isn’t low at all. This is mainly due to the fact that most of the accessories required for repair for this model needs to be from the original equipment manufacturer and only a few auto mechanics knows how to fix it. Thus the cost of repair is extremely high. It is strongly recommended that you inquire about the premium regarding a vehicle before purchasing it.


  1. Keeping a Clean Driving Record

Avoiding traffic violations has the key impact in reducing insurance premiums. Driver with bad records, such as speeding, running a red light, not stopping at stop sign and so on, are going to affect your auto premium cost. Therefore it is extremely important that you develop safe driving habits, and follow rules of the road. Distracted driving, such as checking your phone, texting, or putting on makeup, are strongly discouraged.


  1. Multi-policy Discount

Getting your home and auto insurance with the same company could get you a great discount. Many insurance companies are trying to attract potential long term customers by offering a premium discount of up to 15% (depending on the situation).


  1. Reduce Teenage Driving Risks

A teenage driving accident can really drive up the premium. Within the first 12 months of obtaining a driving license, teens under 18 years old aren’t allowed on the road from 11pm to 5am. Having a passenger under the age of 20 is also prohibited unless a guardian or parent of at least 25 is present. Parents and guardians should always be on the watch to remind these young drivers that they should always follow the rules of the road and develop safe driving habits.


Insurance companies are under strict regulation of the California Insurance Authority, and premiums can only be adjusted when approved. The adjustment is made depending on the regions, population, car models, and insurance coverage. If you have any questions or concerns regarding the content mentioned above or want to learn more about Auto-home insurance, feel free to contact KCAL Insurance 1-800-681-8288.


For more information:

Distracted Driving: Don’t Do It! It Can Wait

How Will California’s 2017 Driving Laws Affect You?

Why Do You Need Insurance When Renting a Car?