Affordable California Car Insurance -- The Following Will Get You Massive Savings

Those who know what to do don't have any problems attracting the most affordable rates without downgrading the quality of coverage they get. I'll show a number of steps to take if you want massive discounts that won't leave you with inadequate coverage...

1. "Pimping your ride" does NOT help if you want lower rates. 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. Policyholders who don't make claims for more than 3 years normally enjoy a discount for this. A number of California insurers don't offer this without some persuasion.

If your insurance carrier is one of those who don't give this discount tell them point-blank that you'll switch to another provider. As a matter of fact, you should because you'll definitely get a better offer with another company if you've maintained a claims-free status for this number of years.

Most insurers will do everything within their powers to make sure they don't lose a prized policyholder and this should 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. 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. This doesn't come readily to mind when you're shopping for a new home. Does it?

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. People who because of their scope of knowledge retain either collision or comprehensive coverage or both for an old car that isn't classified as a classic are painfully paying a lot more than should. The rationale behind this is that insurance companies base the compensation they pay on what is known as the Kelly Blue Book value of a car at any given point in time. So even if you've paid your premiums faithfully for years but the Kelly Blue Book value says your vehicle has zero value, you will get a dime from the insurer and they'll be completely on the good side of the law.

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

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5. Make sure you do NOT give incorrect personal details as you fill your forms. Giving fake details is fraud and affects everyone's auto insurance rates negatively.

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. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. You can save us all this extra burden by representing your details truthfully.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Do you know that your credit card company might have already given you towing as an extra benefit?

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. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. 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'll save a lot if you do shop around and do proper comparison. The range of quotes received per request could be as wide as $1,000 for a particular profile. Notwithstanding that this is a good thing, it's crucial that you don't get carried away. It's not normally that straightforward if you want the best price/value.

The cheapest price may not represent you the best price/value. Despite the fact that each of the quotes offered will definitely give you the same basic coverage, there could be a lot of differences in the details of each insurer's coverage. This makes it important that you find out if there aren't any exclusions you won't like.

Remember to treat these no-obligation quotes as their name implies. Don't feel you have to pay unless you've got all your questions answered satisfactorily. You will be spared rude surprises down the road if you do this.
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