California Car Insurance: Three Sure Steps To Pay Less

1. Drive carefully if you're really keen on enjoying cheaper California car insurance rates. Please, ensure that you make it a policy to NOT drive if you so much as sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you'll NOT see low rates for some years. And don't overlook those speeding tickets because they cost you much more than the fine you pay. They eventually increase your rate. For your safety then and lower rates, never go against any traffic law no matter how minor you think it is.

2. An excellent credit rating will reflect in your favour with respect to your auto insurance rate. A bad credit history will cost you in higher auto insurance rates. There are several reasons for this but this one ranks high among them: If you have a poor credit history then it could only mean you've defaulted in payments somewhere. The truth is that they believe that the likelihood of you defaulting in your premiums is very high. Once you are seen as a higher risk you will get more expensive auto insurance premiums.

3. The most important route to massive savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a difference that exceeds $1,000. You could quickly save that much by simply choosing the lowest quote. That should apply if you're simply after the lowest price.

However, if you're after the best price/value then you would have to look at the details of the cheapest quotes. Different insurance companies may have different exclusions for similar policies. It's wise to ask the agent what's part of the deal and what's not.

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