Affordable California Car Insurance -- The Following Will Get You Huge Savings

You will get low quotes and end up paying the lowest rate possible for your profile if you learn and apply a few things. I'll share several things you have to do if you want massive discounts that won't leave you with inadequate coverage...

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. So if you're really serious about keeping your rate down, leave your car the way it was manufactured.

2. There's A type of discount referred to as "good driver discount." It's for people who have not made a claim for 3 years and more. But remember that not all California carriers offer this discount.

If your insurance carrier is one of those who don't give this discount let them know clearly that you will go to another insurance carrier. As a matter of fact, you should leave them because you will certainly enjoy a better deal somewhere else if you've maintained a clean slate for this length of time.

And, as a matter of fact, your insurer is likely to shift grounds if they see you're quite 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. This doesn't come readily to mind when you're shopping for a new home. Does it?

Since you may live in the same home for decades to come, a difference of $200 in auto insurance rates would amount to thousands over the years.

4. You're certainly paying more than necessary if you've got collision and comprehensive coverage types for an old car that's not a classic. Your car's Kelly Blue Book value at point of filing claims (and not the cost of the vehicle when you bought it) is what determines what you'll get from your insurer. This shows that without considering the amount you've spen on premiums and the number of years you did, you may get absolutely nothing if the book shows your car is not worth anything when you file a claim.

So, stop wasting your hard-earned cash. Once your car becomes old, drop collision and comprehensive coverage on it. You'll be saving much if you do this.

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5. Be sure to NOT enter wrong information as you complete your forms. Insurance fraud is an ill wind that blows no one any good.

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. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. 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.

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. More often than not, you'll discover that your credit card provider has already given you this coverage as added value. So it's a good idea to confirm first before you buy an unnecessary coverage.

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8. You will save a lot if you really have between 25-30 minutes. Visit, obtain and compare California auto insurance quotes from selected insurance quotes sites. The cheapest offer should be your choice easily.

However, you have to go beyond just the lowest price to the best price to value ratio. The lowest priced may not be the best price/value for you as an individual.
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