Low Cost California Car Insurance -- These Will Get You Huge Savings

It is NOT difficult to find very affordable quotes and pay far less for adequate coverage the moment you know the steps to take. This article will teach you things you can do if you want to pay less without compromising the quality of coverage you enjoy...

1. Your rates will jump through the roof if you modify your car. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. Any changes to your vehicle takes your rates up.

2. People who do NOT make claims for more than three years usually get a special discount for this. Several California insurance companies do NOT present this without some coercion.

Your agent should be made to see your displeasure with their refusal to give you this discount and don't fail to stress that you will possibly switch to another insurance provider. Take it or leave it, every insurance company likes having folks who stay claims free for this long and you shouldn't have any difficulty landing cheaper rates with a host of other insurance companies.

And, believe it or not, your insurance carrier is likely to shift grounds if they discover you are quite serious about leaving.

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3. It's easy to save a few hundred dollars on a home but lose thousands over the years on auto insurance because of its location. Homes in the same neighborhood may fall under different risk zones as far as your insurer is concerned.

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. I know: That isn't usually an issue when you're looking for a home but it's really important.

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. You're certainly spending more than necessary if you've got collision and comprehensive coverage types for an old vehicle that's not a classic. The logic for this is that insurers base your compensation on what is called the Kelly Blue Book value of your car when you file claims. Therefore, you will get nothing if that book shows that your vehicle is worth nothing at the time of a claim.

So, do yourself a favor and remove these coverage types from your policy for all old vehicles. If you apply this tip you'll make big savings.

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5. Don't be tempted to enter false details in your bid to attract more affordable rates. State personal details just the way they are. Presenting untrue details is fraud and affects everyone's auto insurance rates negatively.

If you're one such people who don't care what your actions cost the rest, then be informed that your insurance provider will cancel your policy once they discover your details are false. This could make you lose a lot more than what you thought you would save. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can save us all this extra burden by representing your details truthfully.

6. Your might be paying a lot more than you should because of some really unnecessary add-ons like towing. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

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 save more by visiting not less than five quotes sites. If you do this, you will be able to get the lowest California auto insurance quotes available because five sites will return up to 25 quotes altogether.
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