California Car Insurance Rates -- Advice For Huge Savings

Everyone can get high value coverage without paying top price. All you have to do to achieve this feat are pieces of information (that you'd have to put to use, though). Let's look at a number of time-tested ways to get better rates...

1. You will lower your California auto insurance rate if you have an outstanding credit rating. Folks who have poor credit pay more expensive premiums for every form of insurance and that is also true for auto insurance. There are several reasons for this but this one ranks high among them: If you have a poor credit rating then it could only mean you have defaulted in payments at some points. The truth is that they believe that the probability of you missing payments of your premiums is very high. This implies more risk to them and more expensive rates for you.

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2. A multi-policy discount is one sure option to lower your total insurance spend. This definitely means you should endeavor to buy your California auto insurance policy from the very company that provides your renters, health or other insurance policies.

Nevertheless, I must stress that you might NOT be saving as much as you could by changing to another insurer. Shopping around for quotes and comparing them with savings you'd make are highly recommended steps. That way, you will be in a position to say for sure if staying put would save you more.

3. If you have collision and/or comprehensive for an old vehicle which is not a classic, then you are spending much more than is necessary. Your car's Kelly Blue Book value at point of filing claims (and not the value of the car when you bought it) is what determines what you will be reimbursed by your insurance carrier. So even if you've paid your premiums diligently for years but the Kelly Blue Book value shows your car has zero value, you'll get a dime from your insurance provider and they'll be completely covered by the law.

Do the wise thing and cut out both of them from your California vehicle insurance policy. This simple step will save you much and not put you at risk at the same time.

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4. For people who are less than 25 years, California auto insurance rates can be really astronomical. But for drivers who fall within this age range, getting good grades at school will help you get more affordable rates.

You need to maintain a grade point of not less than B to have this good student discount. For those who qualify, you can get discounts of about 5 percent. It's difficult to meet reckless young drivers who maintain excellent grades.

5. Mechanisms such as automatic gas cut-off, alarms and other anti-theft devices are encouraged. Considering that they bring down the probability of your car being stolen, they result in a sizeable discount. Thieving rats prefer easy targets.

6. The difference in what it will cost you to insure similar vehicles could be massive. It will do you a world of good if you ask your agent before buying your next vehicle. A car of similar specification that has a bad crash rating and higher theft rate will cost a lot more to insure.

Also, vehicles that typically cost more to repair also cost more to insure. I don't know about you; but it is a smart thing to choose a comparable vehicle that is less expensive to insure.

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7. People who reside in densely populated areas are more likely to encounter one form of vehicle accident or another if compared to those who reside in rural areas. Sparsely populated areas attract much better rates because they're less exposed to risks of vandalism, theft, collision and others that are usually typical of highly populated areas. The more heavily populated your city of residence is, the higher your rates.

8. You can get savings of hundreds of dollars on your auto insurance policy by requesting for insurance quotes from quote sites. The best strategy is to visit at least five quotes sites and making sure that you give the same (correct) details.

I recommend that you visit at least five quotes sites as it will ensure you do not miss out offers not presented by the other sites. This offers you a broader basis for doing better comparisons thus increasing your chances of better quotes.
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