Cheap California Car Insurance Rate -- Advice For Bigger Savings

Contrary to what you might be made to believe, it's quite easy to attract an affordable rate. All you have to do to achieve this end are little bits of information (Put into good use). Let us now look at a few sure-fire ways to get better rates...

1. Drive carefully if you're truly serious about enjoying cheaper car insurance rates. Please, ensure that you make it a policy to NOT drive if you even 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. And don't ignore those speeding tickets because they cost you much more than what you pay as fines. They add up to raise your rate. You'll be helping yourself if you obey all traffic laws at all times.

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2. People who have more than one car will make huge savings if they insure all those cars with the same California insurance company. You can only do otherwise if the total of your premiums with different insurers is less than what you'll be given with a multi-vehicle discount if you buy from one insurance company. You can ensure you are making the right choice by doing extensive comparison shopping. But anyway, a multi-vehicle discount is one way to get cheaper rates.

3. Having more than one policy with one insurer equally gets you a reasonable discount. That's, for instance, if you get your auto policy from the same provider that caters for your home insurance.

Nevertheless, I must emphasize that you may NOT be saving as much as you might by switching. Comparison shop with quotes sites and then have a chat with your insurance agent. Once you do this, you won't be be taking chances as you make your choice because you know for sure which brings bigger savings.

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4. Remaining claims-free will qualify you for a good discount. A number of insurance providers may not present this without some persuasion.

If your insurance carrier is one of those who don't give this discount tell them without mincing words that you'll go to another insurer. As you well know, every insurer likes having insureds who stay claims free for this long and you shouldn't have any difficulty finding better rates with many other insurers.

But oftentimes a serious threat of switching from you is enough to force them to shift grounds.

5. You are certainly spending more than necessary if you have collision and comprehensive coverage for an old vehicle that isn't a classic. The logic for this is that insurers base the reimbursement they make on what is known as the Kelly Blue Book value of a car at any given point in time. So even if you have paid your premiums without default for several years but the Kelly Blue Book value says your vehicle is worth nothing, you'll get nothing from the insurance provider and they will be completely on the good side of the law.

Do the wise thing and cut out both from your auto insurance policy. Doing this will cut down your costs and not compromise you in any way.

6. Raise your deductible and you will attract lower rates. It is a wise move to have a deductible that is as high as possible but as well within easy reach for you.

I must stress that you're bound by law to provide this amount whenever you file a claim.

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7. Your rate is seriously influenced by your annual mileage. Therefore do all you can to NOT drive your vehicle wherever there is a good option. This surely is the way to go if you live in a city where you have access to standard mass transit systems.

Carpooling is equally another smart way of bringing down your mileage.

8. You can get cheaper quotes on California auto insurance now by visiting a minimum of five insurance quotes sites. Each quotes site will require about 5 minutes or less to obtain quotes. (Some folks fill in details that is not quite true about themselves. That is NOT smart as the quotes you'll get this way will NOT do you any good).

You'll simply choose the best auto insurance quote for you from the list of quotes returned. It's as simple as that. However, you could realize savings hundreds of dollars.
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