Cheap California Car Insurance -- These Will Get You Huge Savings

You will get low quotes and end up paying the lowest rate possible for your profile if you know and do several things. This write-up will show you steps you can take if you want affordable rates without downgrading the level of coverage you enjoy...

1. "Pimping your ride" does NOT help if you want lower rates. Things like changing your tires to bigger ones than specified by the manufacturer, adding equipment that will increase your car's horse-power will cost you a lot more.

2. Remaining without making claims will qualify you for a special discount. But don't be surprised if your agent tells you your California auto insurance carrier does not offer this discount.

Your agent should be made to understand your displeasure with their refusal to offer you such a discount and don't fail to point out that you may switch to a different insurance provider. With this type of driving record finding a much better rate is certainly quite easy because policy holders who stay claims free are every insurer's dream.

And, as a matter of fact, your insurer is likely to have a rethink if they see you are very serious about leaving.

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3. Do you know that some folks are paying much more in auto insurance because of where their homes are? Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So check with your agent before you commit to a new home. The truth is that most people don't think about this when they are about buying a home.

Remember, you might live in this home for up to 20 years or more. If its location makes you pay up to $200 more in premium, that will add up to $4,000 within that time frame.

4. If you keep collision and/or comprehensive for an old car that isn't a classic, then you're spending a lot more than you should. A car's Kelly Blue Book value at point of making claims (and not the price of the car when you bought it) is what controls what you'll get paid by an insurer. So even if you've paid your premiums without default for years but the Kelly Blue Book value says your vehicle has zero value, you'll get nothing from your insurance provider and they'll be fully covered by the law.

So, stop frittering away your money. Once a car gets old, leave out collision and comprehensive coverage types on it. If you do this you'll make big savings.

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5. Be sure to NOT give incorrect information when you fill your forms. False representation 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. 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).

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. 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. By the way, your credit card might already offer this as a benefit so check.

Even if this is not the case with your credit card company, you'll still get better service and save more if you exclude towing from your policy and you a dedicated towing company instead.

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. The most important step to massive savings in auto insurance is comparison shopping -- That's if you do it well. You can get quotes that will have a range in excess of $1,000. You could easily save so much by just picking the lowest quote. That should be the case if you're just after the lowest price.

Howbeit, if you want the best price/value then you'd have to look at the details of the cheapest offers. Different insurers may have adjustments for similar policies. It's important that you ask the agent what's part of the deal and what's not.
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