Cheapest California Car Insurance Quote -- Advice For Big Savings

You can get high value coverage without breaking the bank. You only need the right information and the discipline to practice what you'll be taught to get a more affordable rate. Let us get into the steps you need to attract more affordable rates...

1. Drive carefully if you're truly keen on enjoying lower car insurance rates. It's a good idea to NOT drive at all once you have taken alcohol(even if it's simply a sip.

If you're convicted for driving under the influence (DUI) you've said good-bye to affordable rates for a very long time. Even little things like speeding tickets do add up to make you get higher rates on the long run. You'll be helping yourself by obeying all traffic laws at all times.

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2. A multi-vehicle discount is a smart and easy way to enjoy more affordable rates. It makes sense to insure all your cars with the same insurer unless you have a better bargain for a number of your vehicles with another insurance carrier. Doing some shopping and then checking with what you'll get from a multi-vehicle discount is an easy way to know for sure if this serves your best interest. Insuring more than one car with the same insurer will always give a good discount.

3. You will also be eligible for a reasonable discount if you hold more than one policy with the same provider. This simply means you should endeavor to purchase your California auto insurance policy from the very insurer that underwrites your homeowners, medical or LTC insurance policies.

Nevertheless, you must be careful because the fact that an insurance carrier gave you cheap rates for a policy doesn't suggest they will for another one. It's worthwhile that you do extensive research. If you do this, you will be in a position to say for sure if this would be to your advantage.

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4. Policyholders who do NOT make claims for above three years usually get a special discount for it. But don't be alarmed if your agent tells you your car insurance provider doesn't give this discount.

If your agent tells you that they do NOT give this discount make it clear that you'll change over to another provider. As a matter of fact, you should leave them because you will certainly get a better offer with another company if you've kept a claims-free status for this number of years.

Almost all insurance carriers will do everything within their powers to be certain they do NOT lose a prized policyholder and this should lead to a concession from them.

5. You're surely spending more than necessary if you have collision and comprehensive coverage types for an old car that isn't a classic. The reason for this is that insurance companies base the compensation they pay on what is known as the Kelly Blue Book value of a vehicle when you file claims. This shows that without respect to the amount you've spen on premiums and for how long you did, you will get NOT even a cent if this book says the vehicle is not worth anything when you make a claim.

So, stop wasting your money. The moment your car becomes old, cut out collision and comprehensive coverage types on it. This simple step will give you much savings and not put you at risk at the same time.

6. Move up your deductible and you'll enjoy better rates. The recommended choice is the highest you can afford easily.

Just bear in mind that this is what you'd have to pay for by yourself if you make a claim.

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7. Take every opportunity to NOT drive your vehicle because it will reduce your mileage and, by consequence, your rate. This is relevant more to folks whose profession and place of residence make it easy for them to use standard mass transit systems.

Another recommended alternative for those who want to reduce their mileage is carpooling.

8. While you take these other steps to bring down your auto premium, here's what to do to receive lower rates now: Visit trusted quotes sites and request for quotes.

Visit at least five of such sites for the best results. It's free, quick and easy. However, ensure you give your correct details as you complete the forms presented. All you have to do next is simply pick the offer that represents the best price/value from the quotes return.
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