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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