Cheap California Car Insurance -- Tips For Massive Savings

Contrary to what you might have thought, it's a lot easy to get a lower rate. The only things that are holding you from attracting a better rate now are the right information and a commitment to make use of the tips you get -- Period. Let's get into the ideas you need to get cheaper rates...

1. One good way to make sure you get cheaper rates is by being careful always while driving. You'll be making a good decision to stay away from the wheels once you take alcohol.

Traffic offences that are associated to having more than the allowed amount of alcohol in your blood will make you pay very high rates. And don't overlook those speeding tickets because they cost you much more than the fine you pay. They add up to raise your rate. Therefore, if it's breaking traffic laws, avoid it no matter how minor it may appear to be at the moment.

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2. A multi-vehicle discount is a proven and simple way to get lower rates. Nevertheless, there are some cases where you'll save more by insuring each car with different insurance carriers. You can find out which will serve you best by first doing a little research before taking this step. But however you look at it, a multi-vehicle discount is one way to get more affordable rates.

3. You'll as well be eligible for a reasonable discount if you maintain multiple policies with the same provider. That is, for example, if you buy an auto policy from the very carrier that underwrites your homeowners' insurance.

Nevertheless, bear in mind that you may be better served if you buy your various policies from various carriers who offer the best rates for each policy. Do some research with quotes sites and also have a chat with your insurance agent. If you do this, you will be able to say for sure if switching would save you more.

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4. Remaining claims-free will get you a good discount. Several insurance providers don't give this discount without some pressure.

If your agent says that they do NOT offer this discount make it clear that you'll go to another insurance carrier. As you well know, every insurer likes having drivers who remain claims free for these number of years and you shouldn't have any difficulty finding lower rates with a number of other insurance companies.

But oftentimes the threat of leaving from you will be enough to force them to give a concession.

5. If you keep collision and/or comprehensive for an old vehicle that isn't a classic, then you are spending much more than would do you any good. The reason for this is that insurers base your compensation on what is referred to as the Kelly Blue Book value of a car when you file claims. So even if you've paid your premiums without default for several years but the Kelly Blue Book value shows your vehicle is worth nothing, you will get a dime from the insurance company and they'll be fully protected by the law.

So, take the right step and remove these types from your California car insurance policy for all old vehicles. You'll save much if you do this.

6. You will get a better rate if you opt for high deductibles. It makes sense to have a deductible that's as high as as you can make it but also within easy reach for you.

Just remember that this is what you would have to contribute if you file a claim.

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7. Drive as little as as you can since it will cut down your mileage and qualify you for a low mileage discount. This applies more to those whose vocation and place of residence make it easy for them to use standard mass transit networks.

Another good alternative for those who want to cut down their mileage is carpooling.

8. You can bring down your auto insurance rates by getting and comparing quotes from at least five good quotes sites.
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