Affordable California Auto Insurance Rates -- 5 Serious Facts

We all want a very affordable California vehicle insurance rate provided it comes with adequate coverage. But in what ways can this be achieved? You'll see a good number of helpful recommendations in this article...

1. You might not be enjoying some discounts you are eligible for with your present insurance provider simply because you do not know. Since agents too are human they might forget to tell you about some discounts you are qualified for. You will lower the probability of this happening to you if you make it a point of duty to ask your agent point blank to tell you of every discount that is obtainable. You might have a really pleasant surprise!

2. Defensive driving makes you eligible for cheaper California vehicle insurance rates therefore get trained in it. Apart from the fact that they will improve your driving, they'll show your insurance provider that you're doing your best to reduce your risk level.

3. An option for you is to use your parents' California car insurance policy. If you are of driving age, then your parents certainly are far above 25 years which means they are better risk drivers.

You must remember that the car must be registered in their name and you must be living with them if you want to use this option. This means that by law they own the vehicle. If the benefits of "independence" outweigh your car insurance savings then this is certainly not alternative for you.

4. Do NOT try to give incorrect details in your bid to attract lower rates. Present personal info truthfully. Presenting untrue details is fraud and affects everyone's auto insurance rates negatively.

Furthermore, an insurer has the right to cancel your policy if you give false details. You'll then lose in a very big way. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Reports have it that the average American family pays about $1,500 extra premium dollars because of insurance fraud. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

5. You will save much if you really have between 25-30 minutes. Visit, obtain and compare California auto insurance quotes from various quotes sites. The lowest quote should be what you go for easily.

Nevertheless, you have to look beyond simply the cheapest quote to the best price to value ratio. The lowest priced may not offer the best price/value for you as a person.

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