Cheaper California Motor Car Insurance -- Tips For Big Savings

Contrary to what you might be made to believe, it's quite easy to attract a cheaper rate. The two things that are holding you from attracting a cheaper rate at the moment are the right information and a resolve to use the tips you get -- Period. Let us get into the tips you need to enjoy cheaper rates...

1. Do your best to always drive responsibly. It's a good idea to NOT drive at all if you've taken alcohol(even if it's just a sip.

If you're convicted for driving under the influence (DUI) you'll NOT see low rates for some years. Even little things like speeding tickets do add up to make you get higher rates on the long run. Therefore, if it's a violation of traffic laws, avoid it notwithstanding how minor it may appear to be at the moment.

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2. You can bring down your rates by positioning yourself for a multi-vehicle discount. Nevertheless, there are a number of cases where you'll make more savings by buying from different insurance carriers. Doing some shopping and then comparing with what you'll get from a multi-vehicle discount is an easy way to know for sure if this serves your best interest. But if you don't intend to shop around, you can rest assured that you'll still save a bit with a multi-vehicle discount.

3. You will as well be eligible for a reasonable discount if you hold multiple policies with the same provider. All you need to do to become eligible for this is to purchase your California vehicle insurance policy from the same carrier which is handling, say, your homeowners insurance.

However, I must point out that you may not save as much as you could by switching. It's recommended that you do comparison shopping. If you do this, you'll be able to say for sure if staying put would save you more.

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4. There is something known as "good driver discount." It's for people who have not made a claim for 3 years and more. Some insurance companies do NOT give this discount without some coercion.

If your insurance agent tells you that they don't give this discount make it clear that you'll switch to another insurance carrier. In fact, you should leave them because you'll almost always enjoy a better offer somewhere else if you've kept a clean slate for this number of years.

Most insurers will do everything within their powers to ensure they don't lose you and this will likely lead to a concession from them.

5. You're certainly paying more than necessary if you have collision and comprehensive coverage types for an old car that isn't a classic. This is because you're reimbursed based on what is called the Kelly Blue Book value of your car as at when you file a claim. So even if you've paid your premiums without default for years but the Kelly Blue Book value shows your car is worth nothing, you'll get a dime from the insurer and they will be fully protected by the law.

So, take the right step and remove these coverage types from your California auto insurance policy for all old cars. Doing this will cut down your costs and not put you at risk in any way.

6. Opting for high deductibles is a standard step to attract better rates. The best option is the highest you can pay with ease.

Just take note that this is what you'll have to provide if you file a claim.

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7. Drive as little as possible because it will reduce your mileage and qualify you for a low mileage discount. This is relevant more to people whose occupation and location give easy access to public mass transit networks.

Joining a carpool is equally another smart way of bringing down your mileage.

8. You can get lower rates on California auto insurance today by visiting a minimum of five quotes sites. Each quotes site will require about 5 minutes or less to obtain quotes. (Some people give information that are not quite true about themselves. That is NOT smart since the quotes you'll get this way won't do you any good).

You'll have to pick the best auto insurance quote for you from the list of quotes obtained. It's as simple as that. Nevertheless you could easily save hundreds of dollars.
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