Low Cost California Auto Insurance -- These Will Get You Huge Savings

You will obtain cheap quotes and end up finding the most affordable rate possible for your profile if you know and apply certain things. I'll share a number of things you have to do if you want considerable savings that won't put you and yours at risk...

1. "Pimping your ride" does NOT help if you want lower rates. Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Remaining claims-free will get you a special discount. But don't be surprised if your agent tells you your California car insurance company does not offer this discount.

Your agent must be made to realize your displeasure with their refusal to give you such a discount and do NOT fail to point out that you may change over to another insurer. With this type of driving history finding a much cheaper rate is really quite easy because claims-free policy holders are every insurance company's dream.

But more often than not a serious threat of switching from you will be enough to force them to make an exemption.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. 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 are certainly spending more than necessary if you've got collision and comprehensive coverage types for an old car that isn't a classic. A vehicle's Kelly Blue Book value at the time of filing claims (and not the value of the vehicle when you bought it) is what shapes what you'll be reimbursed by your insurance carrier. This shows that without considering the amount you spen on premiums and the length of time you did, you may get NOT even a cent if the book says the vehicle is worth nothing when you make a claim.

Do the smart thing and drop both of them from your vehicle insurance policy. If you apply this tip you will make big savings.

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5. Do your very best to present the facts 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. You'll then lose in a very big way. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

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. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy.

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8. You will save much if you do shop around and do detailed comparison. The range of quotes presented for a request could be as wide as $1,000 for a given profile. While this is a good thing, it's advisable that you don't get too excited yet. It's not usually that easy if you want the best price to value ratio.

The cheapest price may not offer you the best price/value. Notwithstanding that each of the quotes presented will certainly give you the same main coverage, there may be several differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.

Don't forget to treat these no-obligation quotes just that way. Don't feel you have to pay unless you've got all your questions answered satisfactorily. You will prevent rude surprises down the road if you do this.
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