Low Cost California Vehicle Insurance -- These Will Get You Bigger Savings

You will obtain cheap quotes and end up enjoying the cheapest rate possible for your profile if you discover and implement a few things. I'll reveal a number of steps to take if you want massive discounts that won't put you and yours at risk...

1. Your rates will jump through the roof if you modify your car. 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.

2. Staying claims-free will make you eligible a special discount. But don't be surprised if your agent tells you your California auto insurance carrier doesn't give this discount.

If your agent says that they do NOT offer this discount indicate that you might switch to another insurance carrier. As a matter of fact, you should leave them because you will almost always enjoy a better deal with another company if you've maintained a claims-free status for this long.

And, believe it or not, your insurer is likely to give a concession if they notice you are quite serious about leaving.

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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. 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. 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. If you have collision and/or comprehensive for an old car that isn't a classic, then you are paying much more than you should. A car's Kelly Blue Book value at point of filing claims (and not the price of the car when you bought it) is what shapes what you will get from your insurance provider. This means that not minding how much you've spen on premiums and the number of years you did, you may get nothing if this book says the vehicle is worth nothing by the time you file a claim.

Do the wise thing and cut out both of them from your auto insurance policy. You will be saving much if you do this.

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5. Ensure you do NOT enter false details as you fill your forms. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

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. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. By the way, your credit card might already offer this as a benefit so check.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

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. 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. The most important route to considerable savings in auto insurance is comparison shopping -- Provided that you do it right. You can get quotes that will have a range in excess of $1,000. You could easily save that much by simply choosing the lowest quote. That should be the case if you're just after the lowest price.

However, if you're looking for the best value to price ratio then you would have to look at the details of the cheapest quotes. Different insurers may have slight differences for similar policies. It's wise to ask the agent what's included and what's excluded.
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