Cheaper California Vehicle Insurance: 4 Tested Tips

1. Those who have more than one car will make huge savings if they insure all those cars with the same California auto insurance provider. You can only do otherwise if the sum of your rates across various insurance companies is less than what you'll get with a multi-vehicle discount if you buy from one insurer. Doing some shopping and then checking with what you'll get from a multi-vehicle discount is an easy way to be sure if this is in your best interest. But anyway, a multi-vehicle discount is a great way to get lower rates.

2. You'll as well get a considerable discount if you have multiple policies with the same insurer. That's, for example, if you get an auto policy from the same insurer that caters for your homeowners' insurance.

Nevertheless, I must emphasize that you might NOT be saving as much as you might by switching. It's recommended that you comparison shop. Once you do this, you won't be be taking chances as you make your choice because you know for sure which saves you more.

3. People who do NOT make claims for more than three years usually attract a special discount for it. But don't be alarmed if your insurance agent tells you your car insurance company doesn't offer this discount.

If your insurance provider is one of the few who don't give this discount let them know without mincing words that you will move over to another insurance carrier. Believe it or not, every insurance provider likes having folks who remain claims free for this long and you shouldn't find it hard landing lower rates with a host of other insurance companies.

However, oftentimes a serious threat of switching from you will be enough to force them to make an exemption.

4. You'll save a lot if you will shop around and do detailed comparison. The range of quotes presented per request could be as wide as $1,000 for a given person. Notwithstanding that this is a good thing, it's important that you don't get carried away. It's not normally that easy if you're after the best price/value.

The cheapest price may not give you the best price/value. Despite the fact that each of the quotes offered will certainly give you the same basic coverage, there may be a lot of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes as their name implies. Don't feel obliged to pay unless you've got all your questions answered satisfactorily. You will be spared rude shocks down the road if you do this.

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