Low Cost California Auto Insurance -- These Will Attract Massive Savings

Folks who know the right steps to take don't have any problems getting the most affordable rates without compromise to the quality of coverage they get. This article will teach you things you can do if you want to pay less without reducing the level of coverage you enjoy...

1. Your rates will jump through the roof if you modify your car. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. Any changes to your vehicle takes your rates up.

2. Drivers who do NOT make claims for above three years generally enjoy a discount for it. But don't be alarmed if your agent says that your California vehicle insurance carrier does not give this discount.

If your insurance carrier is one of those who don't offer this discount tell them clearly that you will switch to another insurer. With this kind of driving history finding a much lower rate is certainly quite easy because claims-free policy holders are every insurance provider's dream.

Most insurance providers will do everything possible to make sure they don't lose you and this should draw a concession from them.

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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. 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. I know: That isn't usually an issue when you're looking for a home but it's really important.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. You are surely spending more than necessary if you've got collision and comprehensive coverage for an old vehicle that is not a classic. The reason for this is that insurance providers base the reimbursement they make on what is known as the Kelly Blue Book value of a car when you file claims. This shows that not minding the amount you paid and for how long you did, you may get NOT a dime if that book declares the car is worth nothing by the time you make a claim.

So, stop frittering away your hard-earned cash. Once a car gets old, leave out collision and comprehensive coverage on it. If you apply this tip you will save a lot.

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5. Do NOT be tempted to give incorrect personal details in your attempt to get cheaper rates. Present details truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. 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).

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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?

Overall, you're better off using a third party towing service than placing it on 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. 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. Take out some time to visit at least 5 insurance quotes sites that offer quotes on California auto insurance policies. This will require not more than 25 minutes.

As you visit each quotes site, make sure you give the same details. Doing otherwise will return misleading quotes. When you've received your auto insurance quotes, compare them to determine which serves your interest best both in price and value.
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