Low Cost California Vehicle Insurance -- These Will Attract Massive Savings

You will obtain cheap quotes and end up paying the lowest rate possible for your profile if you learn and implement several things. Go through this article if you would like to join this special group who are paying a lot less while maintaining adequate coverage...

1. If you want to keep your rates down, do NOT "pimp your ride." Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. There is A type of discount called the "good driver discount." It is for people who haven't made a claim for 3 years and above. Several California insurance companies don't offer this discount without some pressure.

If your insurance provider is one of the few who don't offer this discount tell them clearly that you'll move over to another provider. In fact, you should leave them because you'll certainly enjoy a better deal somewhere else if you've maintained a clean slate for this long.

And, as a matter of fact, your insurance carrier is likely to have a rethink if they see you are quite serious about switching.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

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 level of understanding keep either collision or comprehensive coverage types or both for an old car that's NOT classified as a classic are clearly spending far more than would serve any useful purpose. Your vehicle's Kelly Blue Book value at point of making claims (and not the price of the vehicle when you bought it) is what determines what you will get paid by an insurance carrier. So even if you have paid your premiums without default for several years but the Kelly Blue Book value shows your car is worth nothing, you'll get nothing from the insurer and they will be totally covered by the law.

So, do yourself a favor and remove these coverage types from your auto insurance policy for all old cars. You will be saving much that way.

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5. Do NOT be tempted to enter incorrect personal details in your attempt to get lower rates. State details just the way they are. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. 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.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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.

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 yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

7. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of 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. You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy.

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8. You can get savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from insurance quotes sites. The best method is to visit not less than five quotes sites and ensuring that you input the same (correct) information about yourself.

I advise that you visit not less than five quotes sites since that will make it less likely that you'll miss out offers not carried by the other sites. This offers you a broader basis for doing more extensive comparisons thereby increasing your chances of getting more for less.
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