Chico, California, has attracted a lot of positive attention over the past decade. Forbes Magazine named it number one on its list of Best Places in America and Money Magazine ranked it 13th on the list of Best Places to Live. Chico has been called one best art towns of America and one of the most secure cities in the country. The city's good reputation is something that its residents want to protect, just as they want to protect their homes and their vehicles with the best Chico insurance coverages available.
Range of possibilities for Chico insurance quotesIf you're looking for Chico insurance quotes it's helpful to understand that the rates that insurers charge can vary widely for very similar insurance coverages. Take homeowner's insurance for example. In 2007, California residents paid an average premium of $925 for their homeowner's insurance, according to figures from the National Association of Insurance Commissioners (NAIC). But a 2010 survey of homeowner's premiums by the California Department of Insurance shows that you could pay anywhere from $669 to $1604 for insurance on a five-year old home insured for $300,000. Shopping around could allow you to pay well below that state average and save almost $1,000 in your premium costs.
For Chico insurance for automobiles the differences in rates charged by insurers is even wider. Californians paid an average $800 for auto insurance coverages in 2007 according to the NAIC. But a married couple living in Chico with just one ticket each on their driving record could pay anywhere from $1753 to $5767 according to California's 2010 survey.
How can you make sure that you're getting the best Chico insurance quotes for your situation? First, look for any discounts for which you might be eligible. If you purchase your home and vehicle insurance from the same company, for example, most will give you some sort of discount. You mal also be eligible for discounts if you install certain security and safety equipment in your home and/or your car as well.
One of the best and fastest ways to reduce your premiums on any type of policy is to raise your deductible to $1,000 or higher. This single change could decrease your premium payments by up to 25 percent.
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