California Car Insurance: Three Tested Steps To Pay Less

1. One easy way to make sure you get lower California car insurance rates is by being careful always while driving. Please, make sure you make it a policy to NOT drive if you even sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you've said good-bye to low rates for some years. And don't ignore little things like speeding tickets because they cost you much more than the fine you pay. They add up to increase your rate. For your safety then and lower rates, never break any traffic law no matter how minor you think it is.

2. Maintain an outstanding credit rating. Having a bad credit history is simply making it difficult for yourself apart from the fact that your premium will be much higher. The simple reason for this is that there is a general consensus among most insurers that there is a correlation between poor credit histories and high risks. It is usual for insurance carriers to infer that a person who defaults in credit card payments will also easily default in auto insurance premiums. Once you are seen as bad risk you will attract higher auto insurance premiums.

3. You'll save much if you can shop around and do proper comparison. The the difference in quotes received for a request could be as wide as $1,000 for a particular person. While this is a good thing, it's important that you don't get carried away. It's not usually that easy if you want the best price/value.

The lowest quote may not give you the best price/value. Despite the fact that each of the quotes returned will definitely give you the same basic coverage, there may be a number of differences in the details of each insurer's coverage. This makes it imperative that you find out if there aren't any exclusions you won't like.

Don't forget to treat these no-obligation quotes as their name implies. Don't feel obliged to pay until you've had all your questions answered to your satisfaction. You will be spared rude shocks down the road if you do this.

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