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

Folks who have discovered the right steps to take don't find it difficult getting the best rates without downgrading the quality of coverage they get. Read through this write-up if you want to join this special group who are paying very low rates while enjoying sufficient coverage...

1. "Pimping your ride" does NOT help if you want lower rates. 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. Any changes to your vehicle takes your rates up.

2. People who don't make claims for above 3 years generally enjoy a discount for this. But don't be alarmed if your agent tells you your California car insurance company does not give this discount.

If your insurance agent tells you that they do NOT offer this discount make it clear that you'll go to another insurance carrier. As a matter of fact, you should because you'll almost always get a better offer somewhere else if you've kept a clean slate for this number of years.

However, oftentimes a serious threat of switching from you is enough to make them shift grounds.

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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. The truth is that most people don't think about this when they are about buying a home.

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. You're surely spending too much if you've got collision and comprehensive coverage for an old car that's not a classic. This is because you're reimbursed based on what is known as the Kelly Blue Book value of your car at the time you file a claim. This means that without respect to the amount you spen on premiums and for how long you did, you will get nothing if that book declares the vehicle is worth nothing by the time you make a claim.

Do the wise thing and leave out both from your vehicle insurance policy. You'll save much that way.

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5. Be sure to NOT give wrong personal details when you fill your forms. Insurance fraud costs us all.

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. This could make you lose a lot more than what you thought you would save. 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. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. 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. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. You will save much if you only have between 25-30 minutes. Visit, get and compare California auto insurance quotes from various insurance quotes sites. The lowest offer should be your choice easily.

However, you have to go beyond simply the cheapest price to the best price to value ratio. The lowest priced may not be the best price/value for you as an individual.
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