Low Cost California Auto Insurance -- The Following Will Attract Huge Savings

It's NOT difficult to find very low quotes and pay a lot less for the right coverage if you know the steps to take. Go through this write-up if you would like to be part of this special group who are paying very low rates while enjoying the right coverage...

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. Remaining claims-free will qualify you for a special discount. But don't be alarmed if your agent says that your California vehicle insurance carrier doesn't give this discount.

Your agent should be made to understand your dissatisfaction with their refusal to offer you such a discount and do NOT forget to point out that you may change over to another insurance carrier. With this type of driving record locating a far better rate is really very easy because claims-free policy holders are every insurance company's dream.

But more often than not a serious threat of leaving from you will be enough to force them to make an exemption.

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

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

4. If you keep collision and/or comprehensive for an old vehicle that isn't a classic, then you are spending way more than you should. The reason for this is that insurance companies base the compensation they pay on what is called the Kelly Blue Book value of your vehicle when you file claims. Therefore, you will get nothing if the book says that your car is worth nothing at the time of a claim.

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

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5. Ensure 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. 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. 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. Do you know that your credit card company might have already given you towing as an extra benefit?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

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. Make out some time to visit at least 5 insurance quotes sites that provide quotes on California auto insurance policies. This will take you around 25 minutes.

As you visit each quotes site, ensure you give the same details. Doing otherwise will return misleading quotes. When you've obtained your auto insurance quotes, compare them to see which serves your interest best in price/value.
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