California Auto Insurance: 3 Smart Ways To Save

1. Do your utmost to always drive carefully. It's a good idea to NOT drive at all once you have taken alcohol(even if it's simply a sip.

Traffic offences that are related to having more than the allowed level of alcohol in your blood invariably make you attract quite astronomical rates. And don't overlook those speeding tickets because they cost you much more than the fine you pay. They eventually increase your rate. Therefore, if it's breaking traffic laws, avoid it no matter how negligible it may seem at the moment.

2. You'll lower your auto insurance rate if you have an outstanding credit rating. Having a poor credit rating is simply making it difficult for yourself apart from the fact that your rates will be much higher. This is because insurance companies regard individuals who miss payments as reckless and a bigger risk to them. It is normal for insurers to expect that a person who fails in credit card payments will also easily default in auto insurance premiums. This means more risk to them and more expensive premiums for you.

3. The most vital key to considerable savings in auto insurance is comparison shopping -- That's if 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 want the best value to price ratio then you would have to check the details of the cheapest quotes. Different insurance companies may have different exclusions for similar policies. It's wise to ask the agent what's included and what's excluded.

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