Affordable California Motor Car Insurance -- Advice For Huge Savings

It's quite very easy for everyone to get the right coverage at a low price. You just need the right information and the discipline to practice what you'll learn to get a better rate. Let's look at several time-tested ways to get more for a lot less...

1. Drive carefully if you're really serious about enjoying cheaper car insurance rates. It's a good idea to NOT drive at all if you've taken alcohol(even if it's simply a sip.

Traffic offences that are associated to having more than the permissible level of alcohol in your system will make you pay very high rates. Even little things like speeding tickets eventually add up to make you pay higher rates on the long run. You'll do yourself a world of good by obeying all traffic laws at all times.

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2. A multi-vehicle discount is a proven and simple way to get more affordable rates. It makes sense to insure all your cars with the same insurance company unless you have a better bargain for some of your cars with another insurer. Doing some shopping and then comparing with what you'll save with a multi-vehicle discount is a good way to know for sure if this is in your best interest. But if you don't plan to shop around, you can be sure that you'll still save reasonably with a multi-vehicle discount.

3. A multi-policy discount is a sure option to reduce your total insurance spend. This definitely means you should try to get your California car insurance policy from the same company that provides your homeowners, medical or life insurance policies.

However, I must emphasize that you might not save as much as you might by changing to another insurer. It's worthwhile that you get and compare quotes. When you're done, you won't be guessing as you make your choice since you know for sure which saves you more.

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4. People who do NOT make claims for above 3 years usually get a discount for it. But don't be taken aback if your agent tells you your car insurance carrier does not give this discount.

If your insurance carrier is one of the few who don't give this discount let them know point-blank that you'll go to another insurance carrier. With this type of driving history locating a much cheaper rate is definitely quite easy because claims-free policy holders are every insurance company's dream.

But more often than not a serious threat of leaving from you will be enough to force them to give a concession.

5. You're certainly paying too much if you have collision and comprehensive coverage for an old vehicle that's not a classic. This is because you're reimbursed based on what is called the Kelly Blue Book value of your car at the time you file a claim. So even if you have paid your premiums diligently for several years but the Kelly Blue Book value shows your vehicle is worth nothing, you will get nothing from your insurance company and they'll be completely covered by the law.

So, stop wasting your money. As soon as a car becomes old, give up collision and comprehensive coverage types on it. This easy tip will save you much and not put you at risk at the same time.

6. Choosing higher deductibles is a standard way to attract better rates. The right option is the highest you can provide easily.

Just remember that this is the amount you'd have to pay for by yourself if you make a claim.

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7. Drive as little as as you can because it will reduce your mileage and qualify you for a low mileage discount. This relates more to those whose occupation and location make it easy for them to use public mass transit networks.

Another recommended alternative for those who want to reduce their mileage is carpooling.

8. Visit at least five quotes sites. Visiting a minimum of five quotes sites increase the chances that you'd receive better auto insurance quotes. This is because insurers not covered by one site will be represented by another.

And, you know that because the likelihood of getting lower auto insurance quotes has to do with the range of quotes you obtain, the more insurers you receive quotes from, the brighter your chances will be.

Getting your California auto insurance quotes online will help you save much more if you invest only 25 minutes to ask for quotes from not less than 5 insurance quotes sites.
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