Cheap California Vehicle Insurance -- These Will Get You Huge Savings

It's NOT difficult to find very cheap quotes and pay far less for sufficient coverage once you understand the steps to take. This article will show you things you can do if you want to pay less without downgrading the level of coverage you enjoy...

1. If you want to keep your rates down, do NOT "pimp your ride." Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Staying without making claims will qualify you for a special discount. A number of California insurance companies don't offer this without some pressure.

If your insurer is one of the few who don't give this discount let them know clearly that you'll go to another provider. Take it or leave it, every insurer likes having people who remain claims free for this long and you shouldn't have any difficulty finding cheaper rates with many other insurers.

Most insurers will do everything possible to ensure they do NOT lose a prized policyholder and this should result in a concession from them.

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3. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. I know: That isn't usually an issue when you're looking for a home but it's really important.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

4. Car owners who because of their scope of knowledge maintain either collision or comprehensive coverage types or both for an old vehicle that isn't considered a classic are clearly spending a lot more than would serve any useful purpose. The rationale behind this is that insurance providers base the compensation they pay on what is called the Kelly Blue Book value of your vehicle when you file claims. So even if you have paid your premiums faithfully for years but the Kelly Blue Book value says your car is worth nothing, you will get nothing from the insurer and they'll be fully on the good side of the law.

Therefore, do the right thing and remove these coverage types from your policy for all old vehicles. If you do this you will make big savings.

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5. Be sure to NOT give incorrect details when you fill your forms. Giving fake details 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. 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.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

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. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. You can reduce your auto insurance premium by getting and evaluating quotes from at least five reputable insurance quotes sites.
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