Affordable California Car Insurance -- These Will Attract Bigger Savings

Folks who know the right steps to take don't find it difficult attracting the most affordable rates without compromise to the quality of coverage they enjoy. This article will show you things you can do if you want to attract cheap rates without reducing the quality of coverage you get...

1. "Pimping your ride" does NOT help if you want lower rates. 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. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. There's A type of discount referred to as "good driver discount." It is for policyholders who have not made a claim for 3 years and above. But don't be surprised if your agent says that your California vehicle insurance carrier does not give this discount.

Your agent should be made to see your displeasure with their refusal to offer you such a discount and do NOT forget to point out that you might change over to a different insurance provider. With this type of driving record getting a far cheaper rate is really quite easy since claims-free policy holders are every insurer's dream.

However, more often than not the threat of switching from you will be enough to make them shift grounds.

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3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

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. The truth is that most people don't think about this when they are about buying a home.

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 car that isn't a classic, then you're spending much more than would do you any good. This is because you're compensated based on what is referred to the Kelly Blue Book value of your car as at when you make a claim. So even if you have paid your premiums diligently for years but the Kelly Blue Book value says your vehicle is worth nothing, you will get a dime from the insurance provider and they'll be totally on the good side of the law.

So, take the right step and drop these coverage types from your car insurance policy for all old cars. Doing this will cut down your costs and not compromise you in any way.

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5. Don't try to give incorrect information in your bid to attract more affordable rates. State personal 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 couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. 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. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. 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. The most vital key to massive savings in auto insurance is comparison shopping -- Provided that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could conveniently save that much by simply picking the lowest quote. That should be the case if you're just after the lowest price.

Nevertheless, if you're after the best price/value then you would have to look at the details of the lowest offers. Different insurers may have different exclusions for similar policies. It's wise to ask the agent what's included and what's excluded.
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