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

It is NOT hard to find very cheap quotes and pay far less for sufficient coverage once you understand what to do. Read through this article if you want to be part of this elite group who are paying very low rates while maintaining adequate coverage...

1. If you want to keep your rates down, do NOT "pimp your ride." If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more.

2. There's something called the "good driver discount." It is for people who have not made a claim for three years and above. But remember that not all California carriers present this discount.

If your insurance provider is one of the few who don't offer this discount let them know without mincing words that you'll go to another provider. With this type of driving history getting a far cheaper rate is certainly very easy since policy holders who stay claims free are every insurance company's dream.

But oftentimes a serious threat of switching from you will be enough to make them shift grounds.

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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.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. I know: That isn't usually an issue when you're looking for a home but it's really important.

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. If you keep collision and/or comprehensive for an old vehicle which isn't a classic, then you are paying much more than would do you any good. The rationale behind this is that insurance carriers base the reimbursement they make on what is called the Kelly Blue Book value of your car at any given point in time. Therefore, you'll paid nothing if this book says that your car isn't worth a dime at the time of a claim.

Do the right thing and leave out both of them from your auto insurance policy. Doing this will give you much savings and not put you at risk at the same time.

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5. Try your very best to enter your details exactly the way they are. Insurance fraud is an ill wind that blows no one any good.

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. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can save us all this extra burden by representing your details truthfully.

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 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. Have you checked if your credit card company offers 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. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. You can bring down your auto insurance rates by asking for and comparing quotes from at least five reputable insurance quotes sites.
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