California Auto Insurance: 3 Sure Ways To Save

1. Do your utmost to always drive carefully. Please, make sure you make it a personal principle to NOT drive if you so much as sip any alcoholic beverage.

If you're convicted for driving under the influence (DUI) you've said good-bye to cheap rates for a very long time. While alcohol-related traffic offences have very clear and grave consequences, speeding tickets will as well make you pay much more if they accumulate. You'll do yourself a world of good if you obey all traffic laws at all times.

2. Maintain an outstanding credit rating. A bad credit history will cost you in higher auto insurance rates. 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've missed payments somewhere. The truth is that they believe that the probability of you defaulting in your premiums is very high. This perception of increased risk makes such individuals get higher rates in car insurance and other policies.

3. The most vital key to huge savings in auto insurance is comparison shopping -- Provided that you do it correctly. You can get quotes that will have a range that exceeds $1,000. You could quickly save that much by simply choosing the lowest quote. This should be the case if you're simply after the lowest price.

However, if you're looking for the best value to price ratio then you would have to look at the details of the cheapest quotes. Different insurers may have slight differences for similar policies. It's a good idea to ask the agent what's part of the deal and what's not.

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