Affordable California Vehicle Insurance -- The Following Will Attract Bigger Savings

It is easy to get very cheap quotes and pay a lot less for sufficient coverage the moment you understand the steps to take. Read through this write-up if you would like to be part of this special 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. People who do NOT make claims for over three years generally enjoy a special discount for it. Several California insurance companies do NOT present this without some pressure.

If your insurance provider is one of the few who don't give this discount tell them without mincing words that you will switch to another insurer. Really, you should because you'll certainly find a better offer with another company if you've maintained a claims-free status for this number of years.

And, as a matter of fact, your insurance provider is likely to have a rethink if they notice you are really serious about leaving.

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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.

So check with your agent before you commit to a new home. This doesn't come readily to mind when you're shopping for a new home. Does it?

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 that isn't a classic, then you are paying way more than you should. This is because you are paid compensation based on what is referred to the Kelly Blue Book value of your car at the time you make a claim. So even if you've paid your premiums faithfully for years but the Kelly Blue Book value says your car has zero value, you'll get nothing from your insurance provider and they'll be totally protected by the law.

Do the right thing and remove both of them from your auto insurance policy. If you do this you will pay a lot less.

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5. Make sure you do NOT give incorrect details as you complete your forms. 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. 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.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. 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?

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. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. You can get better rates on California auto insurance today by visiting at least five insurance quotes sites. Each site will require around 5 minutes or less to receive quotes. (Some folks present information that are not quite true about themselves. That isn't smart as the quotes you'll get this way will NOT do you any good).

You'll simply select the best auto insurance quote for you from the list of quotes returned. It's as simple as that. But you could easily save hundreds of dollars.
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