Cheap California Motor Car Insurance -- Tips For Big Savings

Contrary to what you might be made to believe, it is quite easy to get a lower rate. The only things that are holding you from getting a more affordable rate now are relevant information and a commitment to use the recommendations you get -- That's all. Let's get into the steps you need to get more affordable rates...

1. Drive carefully if you're really serious about attracting lower car insurance rates. You'll be making a good decision to always avoid being behind the wheels if you take alcohol.

If you're convicted for driving under the influence (DUI) you'll NOT see anything but high rates for some years. Even those speeding tickets do add up to make you pay more expensive rates on the long run. For your safety then and more affordable rates, never go against any traffic law notwithstanding how small you think it is.

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2. You can bring down your premium by going for a multi-vehicle discount. You are only advised to do otherwise if the total of your rates across various insurance companies is lower than what you'll be given with a multi-vehicle discount if you buy from one insurance company. You can find out which will serve you best by simply doing a little research before taking this step. Insuring more than one car with the same insurer will always give a good discount.

3. A multi-policy discount is one good option to lower your total insurance spend. That is, for instance, if you get an auto insurance policy from the very insurer that underwrites your home owners' insurance.

Nevertheless, I must emphasize that you might not save as much as you might by changing to another insurer. It's advised that you comparison shop. You will be sure of the best choice for you after you do this.

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4. People who do NOT make claims for more than 3 years normally get a discount for this. But bear in mind that not all providers offer this discount.

Your agent must be made to understand your dissatisfaction with their refusal to give you such a discount and don't fail to point out that you may leave for another insurance carrier. Believe it or not, every insurance company likes having drivers who stay claims free for this long and you shouldn't find it hard landing cheaper rates with a number of other insurance companies.

And, believe it or not, your insurer is likely to give a concession if they see you're very serious about leaving.

5. If you maintain collision and/or comprehensive for an old car that isn't a classic, then you are paying a lot more than would do you any good. This is because you are reimbursed based on what is known as the Kelly Blue Book value of your vehicle as at when you make a claim. Therefore, you will get nothing if this book says that your vehicle is worth nothing as at when you make a claim.

Therefore, stop frittering away your hard-earned cash. If your car becomes old, discontinue collision and comprehensive coverage on it. If you take this step you will make big savings.

6. You will land a cheaper rate if you opt for high deductibles. The recommended approach is to opt for the highest deductible that you can handle with a measure of ease.

Your insurer you to pay this amount.

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7. Drive as little as possible as it will lower your mileage and get you a low mileage discount. This definitely is the way to go if you reside in an urban area where you can take advantage of standard mass transit networks.

Carpooling is also another smart way of bringing down your mileage.

8. You can lower your auto insurance costs by getting and comparing quotes from at least five reputable quotes sites.
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