Cheap California Vehicle Insurance -- The Following Will Attract Bigger Savings

People who have discovered what to do don't have any problems enjoying the cheapest rates without downgrading the quality of coverage they enjoy. Read through this article if you would like to join this elite group who are paying very low rates while maintaining adequate coverage...

1. "Pimping your ride" does NOT help if you want lower rates. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Staying without making claims will get you a special discount. But don't be surprised if your agent says that your California auto insurance provider doesn't offer this discount.

If your insurer is one of the few who don't give this discount tell them point-blank that you'll move over to another insurer. As a matter of fact, you should because you will certainly get a better deal somewhere else if you've kept a clean slate for this length of time.

Most insurers will do everything within their powers to ensure they do NOT lose you and this should draw a compromise on their part.

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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.

So check with your agent before you commit to a new home. 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 are certainly paying too much if you've got collision and comprehensive coverage for an old car that isn't a classic. This is because you are reimbursed 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 without default for several years but the Kelly Blue Book value says your car is worth nothing, you'll get a dime from your insurance provider and they'll be fully covered by the law.

So, do yourself a favor and leave out these coverage types from your auto insurance policy for all old vehicles. If you apply this tip you will pay a lot less.

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5. Try your very best to enter the facts exactly the way they are. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

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. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. You can save us all this extra burden by representing your details truthfully.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

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. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. A good number of credit cards give you an automatic rental car insurance coverage once you use them to rent a vehicle. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. The most important step to massive savings in auto insurance is comparison shopping -- Given that you do it correctly. You can get quotes that will have a difference that exceeds $1,000. You could quickly save so much by just choosing the lowest quote. That should be the case if you're simply after the lowest price.

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