Cheap California Car Insurance -- The Following Will Get You Bigger Savings

It's NOT hard to obtain very cheap quotes and pay far less for sufficient coverage the moment you understand the steps to take. I'll show a number of things you have to do if you want considerable discounts that won't put you and yours at risk...

1. Your rates will jump through the roof if you modify your car. 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. Remaining claims-free will result in a special discount. But don't be alarmed if your agent tells you your California auto insurance carrier does not give this discount.

If your insurance provider is one of the few who don't offer this discount let them know clearly that you'll move over to another insurance carrier. Take it or leave it, every insurer likes having people who stay claims free for this long and you shouldn't find it hard getting better rates with many other providers.

Almost all insurance carriers will do everything within their powers to be certain they don't lose you and this will likely lead to a compromise on their part.

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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. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. I know: That isn't usually an issue when you're looking for a home but it's really important.

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. Car owners who due to their level of knowledge keep either collision or comprehensive coverage or both for an old vehicle that's NOT considered a classic are clearly paying much more than should. The rationale behind this is that insurance carriers base the compensation they pay on what is referred to as the Kelly Blue Book value of a vehicle at any given point in time. So, you will paid nothing if this book shows that your car isn't worth a dime at the time of a claim.

Do the right thing and remove both of them from your auto insurance policy. You will save much if you do this.

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5. Ensure you do NOT give false details when you complete your forms. Insurance fraud is an ill wind that blows no one any good.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. You'll then lose in a very big way. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

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.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Overall, you're better off using a third party towing service than placing it on 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 save much by visiting at least five quotes sites. That way, you will increase your chances of getting the lowest California auto insurance quotes possible since five sites will present up to 25 quotes altogether.
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