Affordable California Car Insurance -- Advice For Big Savings

You can get high quality coverage without paying top price. The two things that that keep you from enjoying a more affordable rate at the moment are relevant information and a resolve to make use of the information you get -- Nothing more. We'll now take a look at several time-tested ways to get this done...

1. Drive carefully if you're truly serious about enjoying cheaper car insurance rates. It's a wise idea to NOT drive at all if you have taken alcohol(even if it's only a sip.

If you're convicted for driving under the influence (DUI) you'll NOT see affordable rates for some years. While alcohol-related traffic offences have very immediate and grave consequences, speeding tickets will also affect your rates negatively if they accumulate. You'll do yourself a world of good if you obey all traffic laws at all times.

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2. You can lower your rates by going for a multi-vehicle discount. However, there are some cases where you'll save more by insuring each car with different insurers. You can ensure you are making the right choice by doing extensive comparison shopping. But if you don't intend to shop around, you can be sure that you'll still save a bit with a multi-vehicle discount.

3. A multi-policy discount is one sure option to cut down your total insurance cost. All you have to do to become eligible for this discount is to purchase your California vehicle insurance policy from the very carrier which is handling, say, your homeowners insurance.

Howbeit, note that you might be better served if you buy your different policies from different carriers who have the lowest quotes for each policy. It's recommended that you do comparison shopping. That way, you will be be well equipped to determine if switching would be to your advantage.

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4. Drivers who don't make claims for more than three years normally get a discount for this. But don't be surprised if your agent says that your car insurance carrier doesn't offer this discount.

Your agent must be made to see your displeasure with their refusal to offer you this discount and do NOT fail to point out that you will possibly change over to another insurance provider. In fact, you should because you will almost always enjoy a better offer somewhere else if you've maintained a claims-free status for this long.

And, as a matter of fact, your insurer is likely to have a rethink if they see you're quite serious about changing to another company.

5. Folks who because of their scope of understanding buy either collision or comprehensive coverage types or the two for an old vehicle that is not regarded a classic are painfully spending much more than would serve any useful purpose. This is because you're compensated based on what is known as the Kelly Blue Book value of your vehicle as at when you make a claim. This means that not minding the amount you've spen on premiums and the number of years you did, you may get NOT a dime if this book declares the vehicle is not worth anything when you make a claim.

Therefore, do the right thing and remove these types from your California car insurance policy for all old cars. If you do this you'll save a lot.

6. Increase your deductible and you will enjoy better rates. The best approach is to choose the highest deductible that you can handle with relative ease.

Your insurer you to provide this amount. Therefore make it very high but keep it within easy reach.

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7. Your rate is seriously determined by your annual mileage. So do all you can to leave your car wherever you have a viable option. This applies more to folks whose work and location make it easy for them to use standard mass transit systems.

Another recommended option for those who want to reduce their mileage is joining a car pool.

8. You can lower your auto insurance premium by getting and comparing quotes from at least five good insurance quotes sites.
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