Affordable California Vehicle Insurance -- The Following Will Get You Bigger Savings

You will find low quotes and end up finding the most affordable rate possible for your profile if you discover and implement a few things. Read through this article if you would like to join this elite group who are paying very low rates while maintaining the right coverage...

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.

2. Drivers who don't make claims for over 3 years usually enjoy a special discount for it. Several California insurance providers may not present this without some persuasion.

If your insurer is one of the few who don't offer this discount let them know clearly that you will move over to another provider. As a matter of fact, you should leave them because you'll certainly enjoy a better deal somewhere else if you've maintained a clean slate for this length of time.

And, believe it or not, your insurance provider is likely to shift grounds if they notice you are quite serious about switching.

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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.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. 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. If you have collision and/or comprehensive for an old vehicle that isn't a classic, then you're spending much more than is necessary. A vehicle's Kelly Blue Book value at point of filing claims (and not the price of the car when you bought it) is what affects what you'll get from an insurance carrier. Therefore, you will get nothing if that book shows that your car is worth nothing when you file a claim.

So, take the right step and remove these types from your policy for all old vehicles. You'll save much if you do this.

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5. Try your best to represent the facts exactly the way they are. Insurance fraud costs us all.

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. 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).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. 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. 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. Have you checked if your credit card company offers rental car coverage? More often than not, you'll discover that your credit card provider has already given you this coverage as added value. 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. Visit a minimum of five quotes sites. Using a minimum of five quotes sites increase the chances that you'd get more affordable auto insurance quotes. This is because insurers not covered by one site would be covered by the other.

And, you should understand that since the likelihood of getting lower auto insurance quotes has to do with the range of quotes you obtain, the more insurance companies you obtain quotes from, the higher your chances will be.

Getting your California auto insurance quotes online will help you save a bundle if you take out around 25 minutes to ask for quotes from a minimum of five sites.
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