Low Cost California Auto Insurance -- These Will Get You Bigger Savings

Folks who understand the right steps to take don't find it difficult enjoying the most affordable rates without compromise to the quality of coverage they get. Go through this write-up if you would like to be part of this special group who are paying a lot less while enjoying the right coverage...

1. If you want to keep your rates down, do NOT "pimp your ride." If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more.

2. There's A type of discount known as "good driver discount." This for drivers who haven't made claims for 3 years and above. Several California insurance companies may not offer this without some persuasion.

If your agent tells you that they don't offer this discount indicate that you might go to another insurer. As you well know, every insurance provider likes having policyholders who remain claims free for these number of years and you shouldn't find it hard landing cheaper rates with a number of other insurers.

Most insurance carriers will do everything possible to make sure they don't lose you and this should lead to a compromise on their part.

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3. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. This doesn't come readily to mind when you're shopping for a new home. Does it?

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. If you maintain collision and/or comprehensive for an old vehicle which is not a classic, then you're paying a lot more than is necessary. A car's Kelly Blue Book value at point of making claims (and not the value of the vehicle when you bought it) is what determines what you'll get paid by an insurance carrier. This shows that without respect to the amount you paid and for how long you did, you may get absolutely nothing if that book says your car is worth nothing when you make a claim.

Therefore, do yourself a favor and remove these coverage types from your policy for all old cars. You'll be saving much if you do this.

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5. Do your best to enter your details truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. You'll then lose in a very big way. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. You can save us all this extra burden by representing your details truthfully.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

7. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy.

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8. You can bring down your auto insurance rates by getting and evaluating quotes from at least five good quotes sites.
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