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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