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Wednesday, September 30, 2009
Better California Car Insurance -- Smart Tips
1. It will cost you much more to buy California auto insurance for a vehicle if it has a low safety rating. Opt for vehicles that have mechanisms that increase safety. Such systems get you a reasonable discount. Your agent can give you a list of features that will get you a discount with your insurance provider.
2. You should be eligible for a discount if you belong to a car pool. This is because carpooling reduces mileage (which is a vital factor that determines your rate). And, the lower your mileage, the less a risk you are to your insurer.
3. You could save several hundreds of dollars by simply obtaining and comparing quotes from about five quotes sites. And, it will require just about 25 minutes on the whole.
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Tuesday, September 29, 2009
California Auto Insurance -- 3 Smart Ways To Cheaper Rates
1. Drive carefully if you're really keen on enjoying cheaper California car insurance rates. Please, make sure you make it a policy not to drive if you so much as sip any alcoholic beverage.
If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for some years. While alcohol-related traffic offences have very instantaneous and grave consequences, speeding tickets will as well make you pay much more if they become frequent. So, if it's a violation of traffic laws, avoid it notwithstanding how negligible it may seem at the time.
2. You'll reduce your auto insurance rate if you have an excellent credit rating. Having a poor credit rating is simply making it hard for yourself in addition to the fact that your premium will be much more. There are many reasons for this but this one is prominent among them: If you have a bad credit rating then it could only mean you've defaulted in payments somewhere. The truth is that they believe that the probability of you defaulting in your premiums is very high. Once you are seen as a higher risk you will attract higher auto insurance rates.
3. You can get savings of hundreds of dollars on your auto insurance policy by getting insurance quotes from insurance quotes sites. The best way is to visit at least five sites and ensuring that you provide the same (correct) details.
I recommend that you use at least five quotes sites as it will ensure you do not miss out offers not carried by the other sites. This provides you a broader basis for doing more thorough comparisons thereby increasing your chances of getting more for less.
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Monday, September 28, 2009
California Auto Insurance -- Why Female Folks Get Cheaper Rates
You might get a number of lawsuits if you tried to discriminate on the basis of gender in many matters. Car insurance in California is an exception. However, it's the male folks you get dealt the worse cards in auto insurance....
Most speed demons are men. Most dare devil drivers are also male. Females, by their very nature, are not prone to being physically rough. Every family will naturally frown at lack of grace in their daughter. This helps reduce if not eliminate recklessness where such traits are seen.
Ladies are also less likely to drive for long hours. A man is generally considered better at physical activites. And, they will usually be the ones driving if it is a long trip.
Women also drive smaller cars. These are less expensive to maintain. Furthermore, they'll also go for vehicles that have better safety features.
Car insurance companies know these and therefore give ladies lower rates all other things being equal. That said, you'll not get similar treatment from every insurer for your gender. Some go as far as to give special products that will take care of you especially as a lady. What this means is that you'll get better price/value from some insurers than others.
To get details on how insurance companies calculate your premium, read my other articles. I treated that extensively in one of them.
Make sure you are able to figure out the terms and scope of coverage before signing the contract.
If you are female and often drive alone, there are addons like breakdown cover that you should give a lot of consideration when choosing your auto insurance provider.
You can make massive savings in your car insurance despite your gender or circumstance...
Obtain California auto insurance quotes from quotes sites. Compare the quotes returned and choose the best offer. Visit at least 3 sites. Getting and comparing car insurance quotes from insurance quotes sites will guarantee that you save between a few hundred dollars to a few thousands (depending on your profile, policy and current auto insurance premium).
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Sunday, September 27, 2009
California Auto Insurance -- Spend Less With These Tips
It is easy to find very affordable quotes and pay far less for the right California vehicle insurance coverage once you know what to do. This article will teach you things you can do if you want to pay less without downgrading the quality of coverage you get...
1. Do you know if an insurer has a group discount for the organization you work for? Insurance providers give large organizations big discounts in the belief of wooing members of that organization.
2. All occupations are not equal -- At least as far as auto insurance is concerned. Scientists, for example, pay a lot less than business owners. The reason for such concessions is that some lines of duty have been proven to be statistically less prone to crashes and accidents.
Your agent should be able to tell you if your occupation gets a discount. Take note of the fact that, like most things in insurance, the discount you'll be given will depend on your insurance carrier's relevancy score of profession as a factor in calculating a prospect's risk.
3. You can realize savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from insurance quotes sites. The best strategy is to visit at least five quotes sites and ensuring that you provide the same (correct) details.
I advise that you visit a minimum of five quotes sites as it will ensure you do not miss out offers not presented by the other sites. This gives you a broader basis for doing better comparisons thereby increasing your chances of realizing more savings.
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Saturday, September 26, 2009
California Auto Insurance: Steps To Bigger Savings
There are a lot of options open to anyone who wants to enjoy cheap California auto insurance. But at the same time, a number of options folks employ in order to reduce cost generally make them get less than sufficient coverage. But in this article, I'll share a few proven ways of paying less while you have adequate coverage....
1. You deserve a sizeable discount if your child does not use the vehicle for a protracted length of time because he/she is away at school. If this applies to your kid in school then don't fail to tell your agent about it. I must stress, though, that a number of insurance providers don't offer this.
2. The difference in what it will cost you to insure comparably priced vehicles could be very huge. It will be a wise move if you ask your agent before choosing your next vehicle. Two things that will force you to pay more are a vehicle's crash rating and theft rate.
Also, vehicles that typically cost more to maintain also cost more to insure. With such diligence you can avoid buying a vehicle that will cost you thousands in higher premiums over time.
3. You might save several hundreds of dollars by simply receiving and evaluating quotes from at least five insurance quotes sites. And, it will require just a total of 25 minutes.
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Friday, September 25, 2009
Cheaper California Vehicle Insurance: 4 Tips You Shouldn't Be Without
You will easily spend less for appropriate California auto insurance coverage if you have and use the right recommendations. It is as well important that I point out that there are steps that might put you at risk even if they help you make savings for now. If you are interested in advice that you can make use of to save much and at the same time enjoy adequate coverage, continue reading...
1. .Do your best to fit anti-theft systems in your car. Considering that they reduce the likelihood of your vehicle being stolen, they result in a reasonable discount. Car thieves will think twice before trying to go for a car with theft-deterrent mechanisms.
2. You will get discounts with many insurance providers if you're part of an auto club. Even if this discount is negligible it's still some savings for you.
3. You can attract discounts from some insurance companies if you belong to groups especially the big ones. It makes sense for an automobile insurance company to give concessions to an association that has a large membership. So check, one of those associations might have discounts that will benefit you.
4. You will save more by visiting not less than five quotes sites. If you do this, you will increase your chances of getting the lowest California auto insurance quotes possible since five sites will give up to 25 quotes altogether.
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Thursday, September 24, 2009
California Car Insurance Quotes Online -- Ways To Get The Best
Shopping around is a sure way you can save much on California car insurance. But for those who have mastered the better way of doing it, they save a lot and spend far less time. Some people save as little as a few hundred dollars others save more than two thousand dollars depending on their profile, policy, current car insurance rate and how well they use the strategy. And, the best part is that it took less than twenty-five minutes. Here is how you too can do it...
First know what you really needand not what you want. This tips isn't to help you get savings. You will be able to save notwithstanding the policies you pick.
It's just that coverage that leaves you compromised isn't worth anything. It makes nonsense of insurance in the first place. It's also important because it does not make sense (It only costs you more) if you buy coverage that is meant for people with different needs.
Once you've picked the policy that's best for you, get car insurance quotes from an insurance quotes site. They give a great research option. And best of all, they'll only take you five minutes. For these few minutes, you'll get up to 5 auto insurance quotes from "A" rated companies.
The rating of an insurance company is an indication of how much they can be trusted. And, you really need to know you're dealing with a company that will fulfill its own end of the deal without trying to shortchange you.
If you can, visit at least 3 quotes sites. That will add to your chances of getting offers not given by any of the other sites. It does make a lot of sense since doing this adds to your chances and takes just around 5 minutes for each site.
You can now decide which of the quotes returned gives you sufficient coverage for the lowest price. Choosing the lowest rate may not be the best for you unless it also gives you the coverage you need.
Since savings of over $2,000 have been reported, you could be hurting your purse if you do not make out some time to do this now. However, since you must recieve offers that are at least a few hundred dollars less than your current rate, isn't it a brilliant move if you give the next 15 minutes getting such?
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Wednesday, September 23, 2009
Cheapest California Car Insurance -- Suggestions For Certain Age Ranges
1. Under-25 drivers get really high California auto insurance rates. If you fall into this age bracket you can attract cheaper rates if you maintain good grades at school. It's called the good student discount.
You must have a grade point not lower than B to have a good student discount. This will shave off as much as 5 percent from your rate if you qualify. This discount is given because insurance providers claim there is a correlation between good grades and a young person's behavior behind wheels. Reckless students are very unlikely to maintain good grades.
2. Completing a drivers' refresher course will help drivers above fifty-five years cut down their rates. Because completing this could attract a discount as high as 10%, it is really worth considering. Ask your agent about your insurance carrier's stand on this and how to go about it.
3. Are you retired? Then you're eligible for a retiree discount with most insurance providers. The plain argument for this discount is that retirees normally drive less. This will effectively bring down anybody's mileage.
The details for each insurance company might differ but this is definitely a good way to lower your vehicle insurance rate. You can learn more about details from your agent. If for some reasons they do NOT have a discount like this, remember to tell your insurance agent about your change in mileage. This should bring about cheaper rates for you.
4. You will save a lot if you only have between 25-30 minutes. Visit, obtain and compare California auto insurance quotes from selected insurance quotes sites. The lowest offer should be your choice easily.
But, you have to look beyond just the lowest price to the best price to value ratio. The lowest priced may not be the best price/value for you as a person.
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Affordable Car Insurance
Getting affordable car insurance is really easy and fast.
It takes less than 10minutes of your time.
Get affordable auto insurance from the nation's number one insurance company
It takes less than 10minutes of your time.
Get affordable auto insurance from the nation's number one insurance company
Tuesday, September 22, 2009
Affordable California Car Insurance Quotes: 5 Important Facts
Do you want a more affordable California auto insurance rate while maintaining adequate coverage? You'll be shown several useful tips in this write-up...
1. Ask your agent personally about all the discounts available to you with your present insurance provider. Your agent could, by commission or omission overlook some discounts that you qualify for. You'll discover simply by telling your agent that you want to know if you've been informed about every discount possible for your profile. You might have a really pleasant surprise!
2. There are course that are set up to improve your driving. Participate in them. Apart from the fact that they will improve your driving skills, they'll show your insurance carrier that you're taking active steps to make yourself a better risk.
3. A good option for you is to use your parents' California vehicle insurance policy. If you are of driving age, then your parents certainly are far above 25 years which means they are lower risk drivers.
You must remember that the car must be registered in their name and you must be living with them if you want to take advantage of this option. This means that they legally own the vehicle. If the benefits of "independence" outweigh your car insurance savings then this is definitely not alternative for you.
4. Try your best possible to enter the facts truthfully. False representation is fraud and affects everyone's auto insurance rates negatively.
Furthermore, an insurer has the right to cancel your policy if you give false details. 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).
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.
5. You can bring down your auto insurance rates by getting and comparing quotes from at least five good quotes sites.
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Wednesday, September 9, 2009
Cheap California Automobile Insurance: Savings Tips For Special Age Groups
1. We all know that hardly any other age group pays as much for California auto insurance as those who are below 25 years of age. However, one thing you can do to attract more affordable rates if you are part of this age bracket is get good grades.
You must have a grade point of not less than B to have this good student discount. This attracts a discount of about five percent. This discount is given because insurance providers think there is a connection between good grades and a young driver's behavior behind wheels. Reckless students are very unlikely to maintain excellent grades.
2. For folks who are over 55 years old, you will be eligible for a discount after a drivers' refresher course. Passing such a course will qualify you for discounts as high as 10 percent. To get extensive details of what to do and how much you can save with your insurance carrier, ask your agent.
3. A good number of insurance carriers offer a retiree discount. Retired folks don't have to drive to work on a daily basis. A driver's total mileage is a strong issue which determines what is paid in premiums. Therefore, anything that lowers your total mileage considerably should reduce your rate.
This savings option is surely not one any retired person should overlook. You can find out eligibility requirements from your agent. If for some reasons they do NOT have a discount like this, don't forget to tell your insurance agent about your change in mileage. Unless the change in your mileage isn't significant, you should shop for another insurance carrier if you don't get a decent discount.
4. You can save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll make savings if you visit only one of such sites. However, you will get better results by using at least five.
The plain logic in this is that you will get a greater number of auto insurance quotes from many more insurance companies. This increases your chances of receiving better quotes.
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Tuesday, September 8, 2009
Cheap California Auto Insurance Rates -- 5 Serious Points
We all want a very affordable California car insurance rate provided it comes with the right coverage. But in what ways can this happen? Let's discuss several time-tested steps to achieving just that...
1. Are you aware of every discount that your insurance provider offers? Since agents too are not above mistakes they might forget to tell you about some discounts you are qualified for. You will reduce the odds of this happening to you if you make it a point of duty to ask your agent point blank to tell you of every discount that is possible. You might be surprised at discounts you've not benefited from.
2. Defensive driving will help reduce your California auto insurance rates so take a course on it. Apart from the fact that they will improve your driving skills, they'll show your insurer that you're taking active steps to reduce your risk level.
3. A good alternative for you is to use your parents' California automobile insurance policy. If you are of driving age, then your parents certainly are far above 25 years which means they are better risk drivers.
To take advantage of this though, you'll have to live with your parents and also have the car registered in their name. This means that by law they own the car. If the benefits of "independence" outweigh your auto insurance savings then this is definitely not alternative for you.
4. Do your best possible to present your details exactly the way they are. Insurance fraud is an ill wind that blows no one any good.
Furthermore, an insurer has the right to cancel your policy if you give false details. This could make you lose a lot more than what you thought you would save. 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 help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.
5. You could save several hundreds of dollars by just receiving and comparing quotes from not less than five quotes sites. And, it will require only about 25 minutes on the whole.
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Monday, September 7, 2009
Cheap California Automobile Insurance: Smart Recommendations
Contrary to what you might have thought, it's quite easy to position yourself for an affordable California automobile insurance rate. You only need the right tips and the motivation to practice what you'll be taught to start enjoying a cheaper rate. Let's look at several time-tested ways to get more for a lot less...
1. You're certainly paying more than necessary if you have collision and comprehensive coverage for an old car that is not a classic. Your car's Kelly Blue Book value at the time of filing claims (and not the value of the vehicle when you bought it) is what determines what you will get paid by an insurance provider. So, you'll paid nothing if that book shows that your car isn't worth a dime when you file a claim.
So, stop wasting your money. Once a car becomes old, drop collision and comprehensive coverage types on it. If you do this you will pay a lot less.
2. Selecting high deductibles is a proven way to attract more affordable rates. The recommended strategy is to opt for the highest deductible that you can handle with a measure of ease.
Just bear in mind that this is the amount you would have to contribute if you file a claim. So make it very high but ensure it's within easy reach.
3. Drive as little as as you can because it will reduce your mileage and get you a low mileage discount. This certainly advisable if you live in a city where you can use modern mass transit systems.
Joining a carpool is also another innovative way of cutting down your mileage.
4. Take out some time to visit a minimum of 5 insurance quotes sites that return quotes on California auto insurance policies. It should take you around 25 minutes.
While you visit each site, ensure you give the same information. Doing otherwise will produce misleading results. When you've obtained your auto insurance quotes, compare them to see which serves your interest best both in price and value.
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Sunday, September 6, 2009
Cheap California Auto Insurance Rate -- Simple But Effective Ways
1. Do your utmost to always make sure your California auto insurance never lapses. You'll pay more expensive rates for a long time if this happens to you albeit mistakenly. This happens to some folks while they are switching to another insurance carrier.
Don't terminate your old policy until the new one is fully operational and you'll not make this costly mistake. As simple as this may seem, many individuals are bearing the weight of exorbitant rates because of just a little negligence.
2. If you opt to pay your premiums monthly, you will attract more expensive rates. Although this alternative is often less stressful, it costs more for some reasons..
There are transaction fees that are attached to processing a check. All through a year, your monthly checks would be processed differently because they are all different transactions. This means that you will pay transaction fees twelve times..
There are also administrative costs to your insurer that are due to monthly payments. A good example of such is the cost associated with sending out payment notices..
These and more are then added to your premium thus making it more than if you paid yearly.
3. Electronic Funds Transfer (abbreviated as EFT) is a smart way to reduce your California car insurance premium. By doing this you authorize your insurance carrier to automatically withdraw your payments from your account at specified intervals. This saves the insurance company in many ways including removing the cost of sending payment notices and the cost associated with processing checks. Your insurance company passes part of what they save to you by offering you a lower rates.
4. You can save a lot of money in auto insurance if you get and compare auto insurance quotes from insurance quotes sites. You will realize savings if you visit just one of such sites. However, you will get better results by using at least five.
The simple logic in this is that you will receive many more auto insurance quotes from many more insurers. This raises your chances of getting better offers.
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Saturday, September 5, 2009
Really Cheap California Automobile Insurance -- 4 Smart Steps
1. Those who have more than one car will make huge savings if they insure them all with the same California auto insurance provider. You can only do otherwise if the sum of your premiums with various insurers is lower than what you'll get with a multi-vehicle discount if you buy from one insurer. You can ensure you are making the right choice by doing serious comparison shopping. Insuring more than one car with the same insurance company will always result in a good discount.
2. You'll equally get a considerable discount if you have more than one policy with the same insurance company. All you are expected to do to qualify for this is to purchase your vehicle insurance policy from the very company which is providing, say, your home insurance.
However, I must point out that you might NOT save as much as you might by changing to another insurer. Getting quotes and comparing offers out there with what you'll save are highly profitable steps. You will be sure of the better choice for your profile if you do this.
3. Remaining claims-free will get you a good driver discount. Several insurance providers do NOT give this without some coercion.
Your agent should be made to realize your displeasure with their refusal to give you this discount and do NOT forget to stress that you might leave for another insurance carrier. In fact, you should leave them because you will almost always get a better offer somewhere else if you've kept a claims-free status for this number of years.
Almost all insurance providers will do everything within their powers to make sure they do NOT lose a prized policyholder and this will likely result in a concession from them.
4. Take out some time to visit not less than five insurance quotes sites that provide quotes on California auto insurance policies. Doing this should take you around 25 minutes.
While you visit each quotes site, ensure you give the same details. Doing otherwise will produce misleading quotes. After you've received your auto insurance quotes, compare them to determine which serves your interest best in price/value.
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Friday, September 4, 2009
California Vehicle Insurance -- Three Additional Time-Tested Tips
Contrary to what you might have come to expect, you don't really need to do very difficult things in order to get the cheapest California vehicle insurance policy that gives you sufficient coverage. You may be shocked to find out that all that's making it difficult for you to get far lower rates are simple things you can easily deal with. Let's look at a good number of them in this article...
1. It is less expensive to insure your car if you stay in a rural area. If you can stay in a rural area you will attract the better quotes because the risk of vandalism, crash or theft is quite low in such places. The more densely populated your city of residence is, the less affordable your rates.
2. You might lower your rate if you re-assess your auto insurance policy periodically. The straightforward reason for this is that details about us change every so often without us even being aware of them. A clear instance is a case where someone leaves their wedded daughter on their policy for close to a year just because they did not remember.
Furthermore, there are discounts you might now be eligible for. You might as well have "outgrown" the need for several coverage types.
It would, as a matter of fact, do you a world of good if you revisit your auto insurance policy often. You might spot several points that are no longer a need and save when you drop them.
3. The most important step to huge savings in auto insurance is comparison shopping -- That's if you do it right. You can get quotes that will have a difference in excess of $1,000. You could easily save that much by just choosing the lowest quote. This should be the case if you're simply after the lowest price.
However, if you want the best price/value then you'd have to look at the details of the cheapest quotes. Different insurers may have slight differences for similar policies. It's important that you ask the agent what's part of the deal and what's not.
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Thursday, September 3, 2009
California Auto Insurance -- Even If You Don't Have A Car?
A California auto insurance policy for non vehicle owners? What for? Nice question! Owning a car insurance policy even though you do not having a vehicle would be a brilliant decision in most situations to be discussed shortly.
Since you live in an advanced cities with more efficient mass transit systems, you may not really need to own a car for your daily routine. You can easily go to a car rental service at any time you want to go for a picnic or vacation.
These rental companies sell insurance if you want to cover your rent period. However, depending on how often you have to hire a vehicle, you may be better off with a non-owner auto insurance policy.
Moreover, your friends and relatives will feel a lot more comfortable giving their cars to you if you need to use one. Does not the gesture of getting a non-owner car insurance policy show you such a person is very thoughtful? And, people are much more comfortable dealing with responsible people.
Before you run with the wrong impression, let me explain something about a California non-owner car insurance policy. If an accident happens, your non-owner's policy cannot take precedence over the vehicle owner's policy. It functions only if the car owner's policy's liability limit can't cover the damages caused. To understand these better...
Imagine that you borrowed a car and had an accident where you caused a damage of twenty seven thousand dollars. Your non-owner's policy will not be touched if the car owner's liability limit is thirty thousand dollars. This will not be the case if his/her liability limit were to be half the money. In such a situation your non-owner's policy will come into effect to cover the deficit.
Now, if you're about to buy any form of car insurance policy, you need to take advantage of disparities in rates by different companies. This can save you several hundred dollars. Moreover, it is very ethical -- No fake deals here...
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Wednesday, September 2, 2009
Better California Automobile Insurance -- Sure-Fire Advice
1. It will cost you much more to get California vehicle insurance for a vehicle if it has a poor safety rating. Safety features should get top consideration when buying a new vehicle. They'll make you eligible for a Safe Car Discount. To get more information on this and how much you can save by having them, discuss with your agent.
2. Becoming a part of a car pool will help you get a cheaper rate. The simple reason for this is that it lowers your mileage. You'll save in direct ratio to how much using a carpool lowers your mileage.
3. The most important route to huge savings in auto insurance is comparison shopping -- Provided that you do it well. You can get quotes that will have a difference that exceeds $1,000. You could easily save that much by simply picking the lowest quote. This should apply if you're just after the lowest price.
However, if you want the best price/value then you would have to check the details of the lowest offers. Different insurance companies may have slight differences for similar policies. It's important that you ask the agent what's part of the deal and what's not.
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Tuesday, September 1, 2009
California Vehicle Insurance: Three Sure-Fire Ways To Save
1. Drive carefully if you're really keen on enjoying cheaper California auto insurance rates. It's a wise idea to NOT drive at all once you have taken alcohol(even if it's just a sip.
Driving while drunk, howbeit mildly will make you pay sky-high rates if you're lucky or be compelled to stay without auto insurance if luck isn't on your side. While alcohol-related traffic offences have very immediate and serious repercussions, speeding tickets will also affect your rates negatively if they pile up. You'll be helping yourself if you obey all traffic laws at all times.
2. Maintain an excellent credit rating. Having a poor credit rating is simply making it difficult for yourself apart from the fact that your premium will be much more. The simple reason for this is that there is a general consensus among most insurers that there is a link between poor credit rating and high risks. For most insurers it shows a pattern they believe you might repeat with them in premium defaults. Once you're seen as a higher risk you'll invite higher auto insurance premiums.
3. You'll save much if you can shop around and do detailed comparison. The the difference in quotes presented per query could be as wide as $1,000 for a given profile. Although this is a good thing, it's advisable that you don't get too excited yet. It's not normally that straightforward if you want the best price/value.
The cheapest price may not offer you the best price/value. Although each of the quotes returned will certainly give you the same main coverage, there could be a lot of differences in the details of each insurer's coverage. This makes it crucial that you find out if there aren't any exclusions you won't like.
Remember to treat these no-obligation quotes just that way. Don't feel you have to pay until you've got all your questions answered to your satisfaction. You will never get rude shocks later if you do this.
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