Low Cost California Auto Insurance -- The Following Will Get You Huge Savings

It is easy to obtain very low quotes and pay far less for adequate coverage if you know the steps to take. Read through this write-up if you want to be part of this special group who are paying a lot less while maintaining sufficient coverage...

1. "Pimping your ride" does NOT help if you want lower rates. 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. Any changes to your vehicle takes your rates up.

2. There's A type of discount called the "good driver discount." It is for people who have not made a claim for 3 years and above. Several California insurance providers may not present this discount without some pressure.

If your insurance carrier is one of those who don't offer this discount let them know point-blank that you will move over to another insurance carrier. With this quality of driving history locating a far lower rate is definitely very easy because policy holders who stay claims free are every insurance provider's dream.

And, as a matter of fact, your insurer is likely to give a concession if they discover you are very serious about leaving.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. I know: That isn't usually an issue when you're looking for a home but it's really important.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

4. Car owners who due to their scope of understanding buy either collision or comprehensive coverage or both for an old vehicle that's NOT classified as a classic are clearly paying much more than would do them any good. The rationale behind this is that insurance providers base the reimbursement they make on what is known as the Kelly Blue Book value of your car at any given point in time. This means that not minding the amount you've paid and for how long you did, you may get absolutely nothing if that book shows the car is not worth anything by the time you file a claim.

So, do the right thing and drop these types from your car insurance policy for all old vehicles. You will be saving much if you do this.

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5. Do NOT try to enter false personal details in your bid to get cheaper rates. State details truthfully. Insurance fraud is an ill wind that blows no one any good.

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. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. By the way, your credit card might already offer this as a benefit so check.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

7. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. Visit at least five quotes sites. Visiting at least five quotes sites increase the chances that you would obtain better auto insurance quotes. This is because offers not represented by one site would be covered by another.

Moreover, you know that because the likelihood of receiving lower auto insurance quotes has to do with the range of quotes you get, the more insurers you get quotes from, the higher your chances will be.

Getting your California auto insurance quotes online will help you save much more if you sacrifice only 25 minutes to obtain quotes from not less than five insurance quotes sites.
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