Friday, November 20, 2009

Low Cost California Auto Insurance -- These Will Attract Huge Savings


It is NOT hard to get very affordable quotes and pay much less for the right coverage the moment you discover the steps to take. Go through this article if you would like to be part of this special group who are paying very low rates while maintaining the right coverage...

1. "Pimping your ride" does NOT help if you want lower rates. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Staying claims-free will result in a good driver discount. Some California insurers do NOT offer this discount without some coercion.

If your agent says that they don't give this discount indicate that you might go to another insurer. Take it or leave it, every insurance provider likes having people who remain claims free for this long and you shouldn't find it hard finding lower rates with a host of other insurers.

And, believe it or not, your insurer is likely to give a concession if they notice you're really serious about changing to another company.

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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. Do you know also know that homes within the same neighbor might actually fall into different risk zones according to the insurance industry's mapping?

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.

But think about it: If your new zip code adds up to $300 to your annual auto insurance rate, how much would that amount to at the end of your 30-year mortgage?

4. People who due to their level of knowledge maintain either collision or comprehensive coverage types or the two for an old car that's NOT classified as a classic are painfully paying far more than would serve any useful purpose. Your vehicle's Kelly Blue Book value at the time of making claims (and not the cost of the car when you bought it) is what controls what you'll be reimbursed by your insurance carrier. This shows that without considering the amount you've spen on premiums and the number of years you did, you may get absolutely nothing if that book declares your vehicle is not worth anything by the time you file a claim.

So, take the right step and leave out these coverage types from your auto insurance policy for all old cars. If you apply this tip you will save a lot.

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5. Do your very best to present the facts truthfully. Presenting untrue 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. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can save us all this extra burden by representing your details truthfully.

6. There are useful extras and there are those that do nothing but just inflate your rate. A good example of the later is adding a towing service to your policy. By the way, your credit card might already offer this as a benefit so check.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

7. Do not include rental car coverage in your auto insurance policy without confirming if your credit card offers such a benefit. A good number of credit cards give you an automatic rental car insurance coverage once you use them to rent a vehicle. 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. You can lower your auto insurance rates by obtaining and comparing quotes from at least five reputable insurance quotes sites.
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