Affordable California Car Insurance Rates -- Five Crucial Issues

Do you want a cheaper California automobile insurance rate while maintaining the right coverage? Let's look at a number of proven ways of achieving just that...

1. Are you aware of all the discounts that your insurance carrier offers? There is a possibility that your agent has left one or two out. The only way to be sure this is not true in your case is by asking your agent to list out every discount that your insurance provider gives. You might be astonished at discounts you have not taken advantage of.

2. There are course that are designed to make you a better driver. Join them. In addition to the fact that they will bring down your rate, they will make you a better driver.

3. Using your parents' California car insurance policy is a good alternative for you an under 25. Your parents are part of a lower risk age bracket.

There are two conditions that you must fulfill to make this possible: The car must be registered in your parents' name and you must live with them. If you want to be the owner of your car, then be the big boy or girl and also own the higher premiums. Sorry, you can't have both with this alternative. However, you can still make a lot of savings by clicking the link at the end of this piece.

4. Do NOT be tempted to give false personal details in your bid to attract cheaper rates. State personal details just the way they are. 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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. 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.

5. While you do these other things to lower your auto rates, here's what to do to start enjoying lower rates today: Visit good insurance quotes sites and obtain quotes.

Visit a minimum of five of such sites for the best results. It's free, quick and easy. Make sure you give your correct details as you complete the forms on each site. All you have to do next is just pick the quote that represents the best price/value from the quotes you receive.

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