Cheapest California Motor Car Insurance -- Tips For Huge Savings

It's really very easy for everyone to get the right coverage at a low price. The two things that that keep you from attracting a more affordable rate at the moment are relevant information and a motivation to use the information you get -- Nothing more. Below is a list of things that will help you achieve this goal...

1. One good way to make sure you get more affordable rates is by being careful every time you're behind wheels. Please, ensure that you make it a personal principle to NOT drive if you even sip any alcoholic beverage.

Driving while drunk, howbeit slightly will make you get sky-high rates if you're fortunate or be made to stay without auto insurance if you're not so lucky. Even little things like speeding tickets do add up to make you pay more expensive rates over time. You'll be helping yourself by obeying all traffic laws always.

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2. A multi-vehicle discount is a sure-fire and simple way to enjoy lower rates. You are only advised to do otherwise if the total of your premiums with different insurers is lower than what you'll be given with a multi-vehicle discount if you buy from one insurer. You can ensure you are choosing the best in your case by doing serious comparison shopping. But anyway, a multi-vehicle discount is one way to get cheaper rates.

3. You'll equally be eligible for a considerable discount if you hold more than one policy with the same insurance carrier. That's, for instance, if you buy an auto insurance policy from the very carrier that caters for your home owners' insurance.

Howbeit, care has to be taken because the fact that an insurance company offered you low rates for a policy doesn't guarantee that they will for another one. It is advised that you comparison shop. Thereafter, you'll not be taking a blind leap as you choose which to do since you're positive about which saves you more.

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4. Policyholders who do NOT make claims for more than three years generally enjoy a discount for this. Some insurance providers may not give this without some coercion.

If your insurance carrier is one of the few who don't give this discount tell them point-blank that you will move over to another insurer. As you well know, every insurer likes having people who stay claims free for this long and you shouldn't find it hard landing cheaper rates with a host of other providers.

Almost all insurance providers will do everything within their powers to ensure they do NOT lose a prized policyholder and this should lead to a concession from them.

5. If you maintain collision and/or comprehensive for an old vehicle which isn't a classic, then you're paying way more than you should. This is because you're paid compensation based on what is known as the Kelly Blue Book value of your vehicle as at when you file a claim. So even if you have paid your premiums faithfully for several years but the Kelly Blue Book value shows your car is worth nothing, you will get a dime from your insurance provider and they will be fully on the good side of the law.

So, do yourself a favor and remove these coverage types from your California auto insurance policy for all old cars. This simple step will give you much savings and not compromise you at the same time.

6. Move up your deductible and you'll enjoy more affordable rates. The recommended option is the highest you can provide easily.

Just bear in mind that this is the amount you would have to pay for by yourself if you make a claim.

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7. Drive as little as possible since it will lower your mileage and qualify you for a low mileage discount. This is relevant more to those whose vocation and location give easy access to public mass transit systems.

Another recommended alternative for people who want to bring down their mileage is joining a car pool.

8. You might save several hundreds of dollars by just obtaining and comparing quotes from about five insurance quotes sites. And, it will require only about 25 minutes on the whole.
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