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Wednesday, September 30, 2009

Affordable California Auto Insurance Rates -- Five Important Facts


Do you want a cheaper California automobile insurance rate that still leaves you with adequate coverage? Here are steps that will help you get huge discounts easily...

1. You might not be enjoying some concessions you are eligible for with your preferred insurance carrier just because you do not know. Since agents too are human they might forget to tell you about some discounts you should take advantage of. The only way to ensure it's false in your case is by telling your agent to list out every discount that your preferred insurance carrier gives. You might be in for a very pleasant surprise!

2. There are course that are designed to improve your driving. Join them. In addition to making you a safer driver, such programs will make you eligible for a discount with your insurance carrier provided such a course is recognized by them.

3. Using your parents' California vehicle insurance policy is an alternative for you an under twenty five. If you're of driving age, then your parents certainly are far above twenty five years which means they're lower risk drivers.

To take advantage of this though, you'll have to live with your parents and also have the car registered in their name. If you want to be the owner of your vehicle, then be the big boy or girl and also own the costly premiums. Sorry, you cannot have both with this option. However, you can still make massive savings by clicking the link at the end of this piece.

4. Do your best possible to present the facts exactly the way they are. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. This could make you lose a lot more than what you thought you would save. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from quote sites. The best strategy is to visit at least five quotes sites and making sure that you give the same (correct) information about yourself.

I advise that you use at least five quotes sites because it will make it less likely that you'll miss out better quotes not given by the other sites. This offers you a broader basis for doing better comparisons thereby increasing your chances of better quotes.

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Tuesday, September 29, 2009

Cheaper California Car Insurance -- Smart Steps


You can get high value California vehicle insurance coverage without paying top price. You just need the right recommendations and the resolve to practice what you'll be taught to get a cheaper rate. Let us get into the tips you need to enjoy cheaper rates...

1. You are certainly paying too much if you have collision and comprehensive coverage for an old vehicle that's not a classic. Your car's Kelly Blue Book value at the time of making claims (and not the value of the vehicle when you bought it) is what determines what you'll get from your insurance provider. So even if you've paid your premiums diligently for several years but the Kelly Blue Book value says your vehicle is worth nothing, you'll get a dime from the insurer and they'll be fully on the good side of the law.

Do the right thing and drop both from your auto insurance policy. If you take this step you will pay a lot less.

2. Move up your deductible and you'll get better rates. The best approach is to choose the highest deductible that you can provide with a measure of ease.

Your insurance provide you to contribute this amount.

3. Drive as little as possible because it will cut down your mileage and get you a low mileage discount. This certainly is the way to go if you reside in an urban area where you can use modern mass transit systems.

Another good option for people who want to cut down their mileage is joining a car pool.

4. Take out some time to visit a minimum of 5 insurance quotes sites that provide quotes on California auto insurance policies. It will require not more than 25 minutes.

While you visit each quotes site, make sure you give the same information. Doing otherwise will return misleading results. After you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value.

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Monday, September 28, 2009

Affordable California Auto Insurance Rate -- Easy But Effective Ideas


1. Make sure your California automobile insurance policy is not allowed to lapse for any reason.. You'll get more expensive rates for a long time if this happens to you albeit by mistake. It's easy for this to happen to some individuals when they are switching to another insurance provider.

Don't terminate your old policy until the new one is fully in force and you'll not make this costly mistake. Many individuals are paying more than they would otherwise just because of this mistake. Therefore, make sure you don't become one of them.

2. You will get cheaper rates if you elect to pay your premiums yearly and not monthly. Yes, paying monthly might be stressless but they are also much more expensive.

There are transaction fees that are incurred when processing a check. For 12 checks (that is, your monthly payments) you'll have a total of 12 transactions. This means that transaction charges would be 12 times more for people who make monthly payments.

That's just part of it: Insurers also incur certain admnistrative costs for your monthly payments. For instance, it costs some money to send payment notices monthly.

All such costs to your insurance provider is ultimately paid for by you (that's in addition to their own profit margin for giving you such a "stressless" option).

3. You'll attract more affordable California automobile insurance premiums if you make your payments by Electronic Funds Transfer (EFT). This authorizes an insurance company to automatically withdraw your premiums from your account at specified intervals. This reduces administrative overheads like those incurred when sending payment notices. This is why this results in cheaper premium.

4. You can save more by visiting at least five quotes sites. That way, you'll be able to get the lowest California auto insurance quotes possible because five sites will present not less than 25 quotes altogether.

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Sunday, September 27, 2009

Very Cheap California Car Insurance: Four Time-Tested Ways


1. You can lower your California car insurance premium by positioning yourself for a multi-vehicle discount. You can only do otherwise if the total of your rates across various insurers is less than what you'll get with a multi-vehicle discount if you buy from one insurance company. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is an easy way to be sure if this is in your best interest. Insuring more than one car with the same insurer will always result in a good discount.

2. A multi-policy discount is one proven way to reduce your total insurance cost. That's, for instance, if you purchase your auto policy from the very carrier that caters for your homeowners' insurance.

Howbeit, you must be careful because the fact that an insurance carrier offered you low rates for one policy doesn't guarantee they will for another one. Getting quotes and comparing offers out there with what you'll save are highly beneficial steps. Thereafter, you'll not be be taking chances as you make your choice since you're positive about which saves you more.

3. Drivers who don't make claims for above 3 years generally attract a special discount for it. Some insurance providers may not offer this without some coercion.

Your agent must be made to see your dissatisfaction with their refusal to give you such a discount and don't forget to stress that you may change over to another insurance carrier. Take it or leave it, every insurance provider likes having insureds who remain claims free for this long and you shouldn't find it hard getting lower rates with a number of other providers.

But more often than not a serious threat of switching from you is enough to force them to shift grounds.

4. Take out some time to visit a minimum of five insurance quotes sites that provide quotes on California auto insurance policies. This will require around 25 minutes.

As you visit each site, make sure you input the same details. Doing otherwise will return misleading quotes. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.

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Saturday, September 26, 2009

California Auto Insurance: Three More Guaranteed Recommendations


You don't need to do exceptional things in most cases in order to bring down your California auto insurance rates. You may be shocked to find out that all that's making it difficult for you to get far lower rates are simple things you can quickly deal with. I'll take the pains here to share such things...

1. People who stay in densely populated areas are more likely to have one form of auto accident or another if compared to people who live in rural areas. If you can reside in a rural area you'll attract the cheaper quotes because the risk of vandalism, crash or theft is very low in such areas.

2. A careful review of your policy could show you a number of points you're losing cold cash. The simple rationale for this is that details about us change every so often without us taking serious note of them. A good example is a situation where a couple leave their wedded daughter on their policy for over a year just because it did NOT occur to them.

In addition, there are discounts you might be entitled to. It might also no longer be be smart to retain some coverage types.

So, do NOT fail to go through your insurance policies from time to time. Discovering even one thing that should be removed from your policy and removing it will help you save.

3. Make out some time to visit a minimum of five insurance quotes sites that offer quotes on California auto insurance policies. It should require not more than 25 minutes.

While you visit each quotes site, make sure you give the same information. Doing otherwise will produce misleading quotes. After you've obtained your auto insurance quotes, compare them to determine which serves your interest best in price/value.

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Friday, September 25, 2009

California Car Insurance -- Why Non-Owners Need It?


A California car insurance policy for non vehicle owners? What for? This is such a brilliant question! A car insurance policy is a smart even if you don't have a car if you fall into any of the situations I will discuss shortly in this article.

You may not have a personal vehicle for your daily movements since you live in advanced city with a good mass transit network. Car rental services are regularly ready to take care of those days you may need a car for special occassion.

Along with renting a vehicle, you'll aslo have to buy an auto insurance cover for the rent period. These rental service sell such auto insurance policies. However, depending on how regular you have to hire a vehicle, you might be better off with a non-owner auto insurance policy.

If your acquitance and relatives know that you bought an auto insurance policy they'll be more comfortable to release their car to you than otherwise. If you are a vehicle owner, who would you consider more responsible: The person who has a non-owner auto insurance policy and the person who doesn't? If you can prove that you are very responsible, people prefer to work with you.

Now, you need to know something about a non-owner California car insurance policy. If an accident occurs, your non-owner's policy can't take precedence over the car owner's policy. However, if the auto owner's policy can't cover the damage due to its liability limit, your non-owner policy will take care of the balance. I think an example will help you understand better...

Assuming you borrowed a vehicle and had an accident where you caused a damage of $27,000. If the auto owner's liability limit is thirty thousand dollars, your insurance won't be touched. If, on the other hand, there's a deficit where the vehicle owner's policy can't take care of such such damage, your non-owner's policy will take care of the balance.

It's very important, if you have anything to do with auto insurance, that you learn how to get a lot of savings because of the disparity in rates by insurance companies. It is very ethical and lawful and can save you up to one thousand dollars...

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Thursday, September 24, 2009

Better California Automobile Insurance -- Guaranteed Steps


1. You will get cheaper California automobile insurance rates if your vehicle has a higher safety rating. Safety ratings should be given top consideration when shopping for a new car. You'll qualify for a Safe Vehicle discount if your car has such mechanisms. Examples of such safety features are air bags, automatic seatbelt, ABS brakes and daytime running lights.

2. Join a car pool if you can and you'll be eligible for a discount. The straight reason for this is that it cuts down your mileage. And, the lower your mileage, the less a risk you are to your insurance provider.

3. While you do these other things to cut down your auto premium, here's something you can do to start enjoying lower rates now: Visit trusted quotes sites and obtain quotes.

Visit not less than five of such for the best results. It's free, quick and easy. Make sure you give your correct details as you fill the forms on each site. Thereafter, simply pick the quote that represents the best price/value from the quotes you receive.

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Wednesday, September 23, 2009

California Auto Insurance: 3 Smart Ways To Cheaper Rates


1. Drive carefully if you're truly serious about getting cheaper California auto insurance rates. You'll be making a smart decision to stay away from the wheels if you take alcohol.

Driving while drunk, howbeit mildly will make you pay very expensive rates if you're fortunate or be made to stay without car insurance if you're not so lucky. While alcohol-related traffic offences have very instantaneous and grave consequences, speeding tickets will as well make you pay much more if they pile up. You'll be helping yourself if you obey all traffic laws always.

2. You'll bring down your auto insurance rate if you have an outstanding credit rating. People who have bad credit pay higher premiums for all forms of insurance and that includes auto insurance. This is because insurance carriers regard people who miss payments as irreponsible and a risk to them. For some insurers it shows a pattern they believe you might repeat with them in premium defaults. This perception of increased risk makes such persons get higher rates in car insurance and other insurance policies.

3. You can save much money in auto insurance if you get and compare auto insurance quotes from quotes sites. You'll make savings if you go to just one quotes site. But keep this in mind, you'll get better results by using at least five.

The simple logic in this is that you'll get many more auto insurance quotes from many more insurers. This raises your chances of getting better quotes.

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Tuesday, September 22, 2009

California Auto Insurance -- Why Ladies Pay Less


Women usually get poorer deals in many matters. It certainly pays to be female as far as getting cheaper California auto insurance rates is concerned. And, insurers have good reasons for this position. Insurance companies over years have proven that women are less risks to them. This is why they give them cheaper rates...

If there are drivers that are in the habit of driving at unsafe speeds, 7-9 out of ten would be men. Most dare devil drivers are also male. It is definitely part of the female nature to take serious physical risks. Although some women may have such traits naturally, societal pressures reduce them. We, as a people do NOT like our women.

Women are also less likely to drive for long hours. A man is generally considered better at physical activites. And, they will usually be the ones driving if it's a long drive.

Ladies also drive smaller cars. These are less expensive to maintain. Furthermore, they will also go for vehicles that have better safety features.

Car insurance companies know these and therefore give ladies cheaper rates all other things being equal. That said, you'll not get equal treatment from every insurer for your gender. Some go as far as to give special products that will take care of you especially as a woman. The meaning of this is that you'll get different car insurance quotes from different insurers.

If you want to get an understanding of how your insurance premiums are calculated, check my other articles.

It is also vital that you read the fine lines and make sure you really ask questions about what is included in your policy.

Femles should look for special products that protects them further. A type of such products or add-ons is a breakdown cover. This usually takes care of you if your vehicle breaks down. How far each insurer would go on this differs.

You can make massive savings in your auto insurance despite your gender or circumstance...

Get California auto insurance quotes from quotes sites. Compare the quotes returned and pick the best offer. Visit at least three sites. Doing that will increase your chances of saving hundreds of dollars in your auto insurance.

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Wednesday, September 9, 2009

California Auto Insurance -- Three Guaranteed Steps To Cheaper Rates


1. One good way to make sure you get more affordable California auto insurance rates is by being careful every time you're behind wheels. Please, make sure you make it a policy to NOT drive if you even sip any alcoholic beverage.

Traffic offences that are associated to having more than the allowed level of alcohol in your system invariably make you get unbearable rates. Even those speeding tickets do add up to make you pay higher rates over time. For your safety then and lower rates, never go against any traffic law despite how minor you think it is.

2. An excellent credit rating will show favorably on your auto insurance rate. Those who have poor credit pay higher premiums for all forms of insurance and that is also true for auto insurance. This is because insurers see individuals who default in payments as reckless and a risk to them. The truth is that they believe that the likelihood of you missing payments of your premiums is very high. Once you are seen as a higher risk you will invite higher auto insurance premiums.

3. You can lower your auto insurance rates by asking for and evaluating quotes from at least five good quotes sites.

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Tuesday, September 8, 2009

California Car Insurance -- How Gender Helps


In many areas, women complain that they are not getting as much as they deserve simply because of their femininty. Auto insurance in California is an exception. Insurance companies in ages have established that females are lower risks to them. This is why they give them lower premiums...

If there are drivers that are in the pattern of driving at unsafe speeds, seven to nine out of ten would be men. Most dare devil drivers are also male. Women are brought up to be graceful. This makes it more difficult for a lady to be rough and reckless on the road. Although some ladies may have such inclinations naturally, societal pressures reduce them. We, as a people don't like our ladies.

Driving for very long hours is not something most women do. This makes their average mileage less than that of their male folks. A man is generally considered better at physical activites. And, they will always be the ones to drive if it's a long drive.

Who chooses to drive classics and rather large vehicles? You guessed right -- The guys.

Insurers have built a database that show the behavior of various profiles and ladies have shown that they are a less risk to insure for car policies. However, some insurance companies will weigh your gender more than others. What this means is that you'll get better price/value from some insurers than others.

How insurance companies arrive at your rate and the reason for so much disparity in car insurance quotes for comparable policies are subjects for another article.

Make sure you are able to figure out the terms and scope of coverage before signing the contract.

If you are female and drive alone often, there are addons like breakdown cover that you should consider when choosing your auto insurance provider.

You can save a lot in your auto insurance despite your gender or circumstance...

All it takes is visiting at least three quotes sites and getting California car insurance quotes from them. All you have to do after that is pick the best quote from the lot. Just make sure you give your correct details at all sites visited. Getting and comparing car insurance quotes from insurance quotes sites will guarantee that you save anything from a few hundred dollars to a few thousands (depending on your profile, policy and current car insurance rate).

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Monday, September 7, 2009

California Automobile Insurance: Save With The Following


You will find cheap quotes and end up finding the cheapest California auto insurance rate possible for your profile if you learn and do several things. Go through this article if you want to join this special group who are paying a lot less while enjoying adequate coverage...

1. If you are an employee of a big firm you could enjoy a group discount. If you've not asked, do. In an effort to woo members of big organizations, insurers often offer them a group discount. That saves them on customer acquisition.

2. Some professions attract cheaper rates. Scientists, for example, get far cheaper rates than business owners. Members of certain professions make use of their cars a lot more and, as a group, show traits that make them worse risks.

Your agent is in a good position to tell you if your occupation attracts certain discounts. Take note of the fact that, like most things in insurance, the discount you'll get will depend on your insurance carrier's weighting of occupation as a factor in calculating a profile's risk.

3. The most vital route to massive savings in auto insurance is comparison shopping -- Given that you do it well. You can get quotes that will have a range in excess of $1,000. You could easily save that much by just going with the lowest quote. That should be the case if you're simply after the lowest price.

Howbeit, if you're looking for the best value to price ratio then you'd have to look at the details of the lowest quotes. Different insurance companies may have slight differences for similar policies. It's wise to ask the agent what's part of the deal and what's not.

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Sunday, September 6, 2009

California Vehicle Insurance -- Ways To Massive Discounts


There are many ways open to everyone who plans to get low cost California car insurance. But while some of them may reduce your cost, they could leave you with insufficient coverage. This is, however, not the case with the recommendations I'll give you in this article as you'll save while you maintain enough coverage....

1. Does your child not use the car for a considerable length of time? Then you can get a discount for this. Take advantage of this if your child is in college. I must stress, however, that a number of insurance companies do not offer this.

2. The difference in the cost of insuring comparably priced vehicles could be much. It will be a wise move if you ask your agent before choosing your next vehicle. Don't buy a car that has a high theft rate and/or a bad crash rating.

Furthermore, it will also take much more to insure a car that is more costly to fix or maintain. I don't know about you; but it does make sense to opt for a comparable car that is more insurance-friendly.

3. The most important key to huge savings in auto insurance is comparison shopping -- Given that you do it right. You can get quotes that will have a difference that exceeds $1,000. You could easily save so much by simply picking the lowest quote. This should be the case if you're just after the lowest price.

However, if you want the best value to price ratio then you'd have to look at the details of the cheapest quotes. Different insurers may have different exclusions for similar policies. It's wise to ask the agent what's part of the deal and what's not.

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Saturday, September 5, 2009

Affordable California Automobile Insurance -- Four Savings Tips You Must Not Be Without


You'll easily spend less for appropriate California car insurance coverage if you have and make use of the right advice. But on the other hand, if you get the wrong advice, even though you may still save, you will do so by downgrading the quality of coverage you'll enjoy. Here are some great ways to get cheaper rates without opting for inadequate coverage...

1. Features like automatic gas cut-off, alarms and other theft-deterrent gadgets are helpful. They usually make you eligible for an anti-theft discount for the simple reason that they make it less probable that you car will be stolen. Thieves prefer unprotected cars.

2. Many insurers will give you a discount if you are part of an auto club. Don't let the size of the discount this may offer deter you from taking advantage of it if it makes sense in your situation.

3. Being a member of associations, moreso the big ones, will get you discounts on your automobile insurance. They stand to attract many prospects easily if such an association chooses to adopt them as their insurance carrier. Therefore, ask, one of those groups might have concessions that will help you save.

4. While you do these other things to cut down your auto insurance costs, here's what to do to receive lower rates today: Visit trusted quotes sites and obtain quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. Please make certain you give your correct details as you fill the forms on each site. The last step is to simply choose the quote that represents the best price/value from the quotes return.

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Friday, September 4, 2009

California Car Insurance Quotes Online -- The Right Way


Shopping around is a sure way you can save much on California auto insurance. But for people who have been introduced to the better way of doing it, they save a lot and spend far less time. Some folks save as small as a few hundred dollars others save more than $2,000 depending on their profile, policy, current car insurance rate and how well they utilize the strategy. You may be wondering how complicated it is to get such. But thankfully, it'll only take you a few minutes to understand and apply...

There is a difference between what you may think you want and what your true need is. This is the case unless you're versed in the subject of insurance. You could be omitting an important coverage type. Do not get me wrong. You'll still be able to save much even if you get inadequate coverage.
It is just that coverage that leaves you compromised is not worth anything. It makes nonsense of insurance in the first place. It's also important because it does not make sense (It only costs you more) if you buy coverage that is meant for people with different needs.

For those who already know thier exact need and the policy or policies that give the needed coverage,
obtain a lot of car insurance quotes as you can. They provide a great research option. And best of all, they'll only take you five minutes. For these few minutes, you will get up to five auto insurance quotes from "A" rated companies.

The ratings of these companies is so important as you do not want to be assosiated with an insurance company that won't be there when you need it most.

If you want to push the envelop, take your time to visit a minimum of 3 of these car insurance quotes sites. It does make so much sense since doing this adds to your chances and takes lets say just five minutes for each site.

Take a look at the quotes that have been returned and choose which provides you the most affordable price without compromising your coverage. Choosing the lowest rate may not be the best for you unless it also gives you the coverage you desire.

Since savings of over two thousand dollars have been reported, you could be hurting your finance if you do not spend time to do this now. However, since you must recieve offers that are at least a few hundred dollars less than your current premium, isn't it a good move if you spend the next 15 minutes getting such?

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Thursday, September 3, 2009

Really Cheap California Car Insurance: Tips For Certain Age Ranges


1. Under-25 drivers pay really expensive California vehicle insurance rates. If you belong to this age bracket you can get cheaper rates if you maintain good grades at school. It's called the good student discount.

You need to have a grade point not lower than B to get this good student discount. For young drivers who meet this eligibility requirement, you can expect discounts of about 5%. Experience has shown insurance carriers that what makes a student keep getting good grades is a level of responsibility which such students also maintain while driving. Students who maintain good grades are usually considered more responsible and less likely to take to reckless driving.

2. Completing a drivers' refresher course can help people above fifty-five years reduce their rates. Completing such a course will make you eligible for discounts of up to 10 percent. You are advised get more information on this from your agent.

3. Are you a retired person? Then you should qualify for a retiree discount with most insurers. You will most like NOT drive as often as you used to do once you retire. Driving less will lead to lower mileage which definitely makes you a better risk.

Remember that you qualify for this if you're retired. Find out your insurance carrier's policy on this from your agent. And, if your agent tells you they don't have this kind of discount, do your utmost to report the dramatic difference in your mileage. This should bring about lower rates for you.

4. You can get savings of hundreds of dollars on your auto insurance policy by obtaining insurance quotes from quote sites. The best way is to visit at least five quotes sites and making sure that you provide the same (correct) information about yourself.

I advise that you use not less than five quotes sites since that will make it less likely that you'll miss out better quotes not carried by the other sites. This gives you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.

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Wednesday, September 2, 2009

Cheap California Car Insurance Quotes: 5 Serious Issues


We all will appreciate a very affordable California automobile insurance rate provided it comes with sufficient coverage. But how can this be achieved? Let's discuss several sure-fire steps to getting just that...

1. Are you aware of every discount that your insurer offers? Your agent may, choose to not tell you about some discounts that you qualify for. The only way to be sure this is not true in your case is by taking the time to ask your agent to list out all discount that your insurance provider gives. You might have a really pleasant surprise!

2. Defensive driving makes you eligible for cheaper California automobile insurance rates therefore complete a course on it. In addition to the fact that they will reduce your rate, they will make you a safer driver.

3. A good alternative for you is to use your parents' California auto insurance policy. The fact that you're of driving age means that your parents belong to a lower risk age bracket.

You have to bear in mind, though, that the vehicle must be registered in their name and you must be living with them if you want to use this option. This means that they legally own the car. If the benefits of "independence" outweigh your auto insurance savings then this is certainly not an option for you.

4. Do NOT be tempted to give incorrect personal details in your bid to attract lower rates. Present personal details just the way they are. False representation is fraud and affects everyone's auto insurance rates negatively.

Furthermore, an insurer has the right to cancel your policy if you give false details. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You can bring down your auto insurance costs by obtaining and comparing quotes from at least five good insurance quotes sites.

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Tuesday, September 1, 2009

Very Cheap California Car Insurance: Time-Tested Ways


It is quite very easy for you to get adequate California automobile insurance coverage at a low price. You only need the right recommendations and the discipline to implement what you'll be taught to get a more affordable rate. Let's get into the tips you need to attract cheaper rates...

1. If you keep collision and/or comprehensive for an old vehicle which isn't a classic, then you're paying a lot more than is necessary. This is because you're compensated based on what is known as the Kelly Blue Book value of your car at the time you make a claim. So even if you've paid your premiums diligently for years but the Kelly Blue Book value shows your vehicle is worth nothing, you will get nothing from the insurance company and they will be totally on the good side of the law.

Therefore, do yourself a favor and leave out these types from your car insurance policy for all old vehicles. You'll be saving much if you do this.

2. Opting for higher deductibles is a sure step to get more affordable rates. It is good advice to have a deductible that's as high as as you can make it but as well within easy reach for you.

Your insurer you to contribute this amount. Therefore make it very high but ensure it's within easy reach.

3. Drive as little as possible as it will bring down your mileage and get you a low mileage discount. This is relevant more to people whose work and location give easy access to modern mass transit networks.

Another good option for those who want to bring down their mileage is joining a car pool.

4. You could save several hundreds of dollars by just obtaining and comparing quotes from not less than five quotes sites. And, it will require only about 25 minutes on the whole.

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