Low Cost California Auto Insurance -- These Will Get You Massive Savings

Folks who have discovered the right steps to take don't find it difficult attracting the best rates without compromise to the quality of coverage they get. I'll share several steps to take if you want huge discounts that won't leave you with inadequate coverage...

1. Your rates will jump through the roof if you modify your car. If you want to impress your friends with those extra special features like bigger types than the manufacturer's specification, then be prepared to pay a lot more. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. Remaining claims-free will qualify you for a good discount. A number of California insurers do NOT offer this discount without some persuasion.

If your agent says 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 because you will definitely enjoy a better deal somewhere else if you've kept a claims-free status for this length of time.

Most insurance carriers will do everything possible to ensure they don't lose you and this should result in a compromise on their part.

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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. 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. 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. Car owners who because of their level of knowledge maintain either collision or comprehensive coverage types or the two for an old car that isn't classified as a classic are clearly paying much more than would do them any good. A vehicle's Kelly Blue Book value at point of filing claims (and not the price of the vehicle when you bought it) is what affects what you will get from your insurance provider. So even if you have paid your premiums faithfully for years but the Kelly Blue Book value shows your car has zero value, you will get a dime from your insurer and they'll be completely on the good side of the law.

Do the smart thing and remove both from your car insurance policy. This easy tip will cut down your costs and not put you at risk at the same time.

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5. Do NOT try to enter incorrect information in your bid to attract more affordable rates. State details truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

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. This is partly because of the added cost you'd bear if your policy lapses (which is what would happen if your insurer cancels your policy).

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. 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.

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. Do you know that your credit card company might have already given you towing as an extra benefit?

Overall, you're better off using a third party towing service than placing it on 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. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. Visit a minimum of five insurance quotes sites. Using not less than five quotes sites increase the chances that you would get cheaper auto insurance quotes. This is because insurance companies not represented by one site would be covered by another.

Moreover, you know that since the likelihood of receiving lower auto insurance quotes has to do with the number of quotes you receive, the more companies you receive quotes from, the higher your chances will be.

Getting your California auto insurance quotes online will help you save a bundle if you sacrifice only 25 minutes to ask for quotes from a minimum of 5 sites.
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