Low Cost California Car Insurance -- These Will Attract Huge Savings

It's easy to find very low quotes and pay a lot less for the right coverage if you discover the steps to take. This write-up will teach you things you can do if you want affordable rates without downgrading the quality of coverage you get...

1. Your rates will jump through the roof if you modify your car. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned.

2. Drivers who do NOT make claims for over three years normally attract a special discount for this. But remember that not all California providers present this discount.

If your insurance agent tells you that they do NOT give this discount make it clear that you'll change over to another insurer. With this type of driving record locating a much better rate is really very easy because claims-free policy holders are every insurer's dream.

And, as a matter of fact, your insurer is likely to have a rethink if they see you are very serious about switching.

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3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

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. 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. You are surely spending more than necessary if you have collision and comprehensive coverage for an old car that isn't a classic. Your car's Kelly Blue Book value at point of filing claims (and not the price of the vehicle when you bought it) is what shapes what you'll get from your insurance carrier. So even if you've paid your premiums faithfully for years but the Kelly Blue Book value shows your car has zero value, you will get nothing from the insurance provider and they will be totally protected by the law.

So, do the right thing and leave out these coverage types from your auto insurance policy for all old cars. You'll save much if you do this.

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5. Ensure you do NOT give wrong details as you complete your forms. Insurance fraud costs us all.

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. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Do you know that your credit card company might have already given you towing as an extra benefit?

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. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. You can save more by visiting at least five quotes sites. That way, you will be able to get the lowest California auto insurance quotes possible since five sites will present up to 25 quotes altogether.
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