Affordable California Auto Insurance -- These Will Get You Bigger Savings

It is easy to find very cheap quotes and pay a lot less for the right coverage if you know the steps to take. Read through this article if you want to join this elite group who are paying very low rates while enjoying adequate 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. People who don't make claims for over three years generally attract a discount for this. But don't be surprised if your agent says that your California car insurance carrier does not offer this discount.

If your agent tells you that they don't give this discount indicate that you might go to another insurer. With this type of driving record locating a much better rate is really quite easy because claims-free policy holders are every insurer's dream.

Almost all insurance carriers will do everything possible to make sure they do NOT lose a prized policyholder and this should result in a concession from them.

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3. Do you know that some folks are paying much more in auto insurance because of where their homes are? 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. This doesn't come readily to mind when you're shopping for a new home. Does it?

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're definitely spending too much if you have collision and comprehensive coverage types for an old vehicle that is not a classic. This is because you're reimbursed based on what is referred to the Kelly Blue Book value of your vehicle at the time you file a claim. So, you'll paid nothing if this book shows that your vehicle is worth nothing as at when you make a claim.

So, stop frittering away your money. As soon as your car becomes old, stop collision and comprehensive coverage types on it. You will be saving much that way.

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

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.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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.

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. Have you checked if your credit card company offers rental car coverage? This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

Cheap Auto Insurance

8. You will save a lot if you can shop around and do thorough comparison. The range of quotes returned per query could be as wide as $1,000 for a particular person. Although this is a good thing, it's advisable that you don't get too excited yet. It's not normally that straightforward if you want the best price to value ratio.

The cheapest price may not represent you the best price/value. Despite the fact that each of the quotes presented will certainly give you the same basic coverage, there may be a number of differences in the details of each insurer's coverage. This makes it crucial that you find out if there aren't any exclusions that won't serve your best interest.

Don't forget to treat these no-obligation quotes just that way. Don't feel obliged to pay unless you've got all your questions answered satisfactorily. You will never get rude surprises down the road if you do this.
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