Affordable California Auto Insurance -- These Will Attract Bigger Savings

Those who have discovered what to do don't find it difficult getting the cheapest rates without downgrading the quality of coverage they get. I'll show several things you have to do if you want huge savings that won't put you and yours at risk...

1. Your rates will jump through the roof if you modify your car. Doing such reduces your car's safety and, therefore, warrants higher rates as far as the insurer is concerned. Any changes to your vehicle takes your rates up.

2. Staying claims-free will qualify you for a special discount. But don't be surprised if your insurance agent says that your California vehicle insurance company does not offer this discount.

If your insurance provider is one of the few who don't offer this discount tell them clearly that you'll switch to another insurance carrier. As a matter of fact, you should because you will almost always enjoy a better offer with another company if you've kept a claims-free status for this number of years.

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

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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?

Therefore, take your time to ask your agent what effect your new zip code would have on your rates before you make that down payment. The truth is that most people don't think about this when they are about buying a home.

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 scope of understanding keep either collision or comprehensive coverage or the two for an old car that's NOT classified as a classic are simply spending much more than would do them any good. This is because you're reimbursed based on what is referred to the Kelly Blue Book value of your vehicle as at when you file a claim. So, you'll paid nothing if this book says that your vehicle is worth nothing when you file a claim.

So, do the right thing and remove these coverage types from your car insurance policy for all old cars. You will save much that way.

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5. Don't try to give false details in your attempt to attract cheaper rates. State personal details truthfully. False representation is fraud and affects everyone's auto insurance rates negatively.

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. 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).

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. 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.

Overall, you're better off using a third party towing service than placing it on your auto insurance policy.

7. Have you checked if your credit card company offers rental car coverage? A good number of credit cards give you an automatic rental car insurance coverage once you use them to rent a vehicle. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. You will save much money in auto insurance if you obtain and compare auto insurance quotes from quotes sites. You'll realize savings if you use only one of such sites. But, you'll get more by using at least five.

The straightforward logic in this is that you will receive a greater number of auto insurance quotes from many more insurers. This increases your chances of receiving better offers.
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