Affordable California Auto Insurance -- These Will Get You Massive Savings

It's NOT hard to obtain very cheap quotes and pay much less for adequate coverage once you discover what to do. This article will teach you steps you can take if you want to pay less without compromising the level of coverage you get...

1. If you want to keep your rates down, do NOT "pimp your ride." 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. There's something referred to as "good driver discount." It's for drivers who have not made claims for three years and above. But remember that not all California providers present this discount.

If your agent tells you that they do NOT offer this discount let him or her know that you will change over to another insurer. As you well know, every insurance provider likes having policyholders who stay claims free for these number of years and you shouldn't find it hard getting cheaper rates with a number of other providers.

And, as a matter of fact, your insurer is likely to shift grounds if they see you are quite serious about leaving.

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3. Before you get carried away with the few hundreds you will save on a house, check if it will not cost you much more in auto insurance. Also note that a neighbor not too far away might fall under a lower crime zone than you -- This affects rates.

So, as part of your home shopping activities, check how this neighborhood will affect your auto insurance rate. This doesn't come readily to mind when you're shopping for a new home. Does it?

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. You are certainly spending too much if you've got collision and comprehensive coverage types for an old vehicle that isn't a classic. This is because you are compensated based on what is called the Kelly Blue Book value of your vehicle at the time you file a claim. So even if you have paid your premiums faithfully for several years but the Kelly Blue Book value shows your vehicle has zero value, you'll get nothing from your insurance company and they'll be fully protected by the law.

So, do yourself a favor and leave out these types from your car insurance policy for all old vehicles. If you do this you will save a lot.

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5. Do NOT try to give incorrect personal details in your bid to attract cheaper rates. Present personal info truthfully. Giving fake details 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. Insurers increase your rates by a good margin once you've let your policy lapse or had it cancelled for reasons like this.

It's been estimated that insurance fraud adds up to $1,500 to the average family's insurance premium annually. You can help reduce this to our collective advantage by being truthful when completing your application form and if you ever have to file a claim.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. Have you checked to see if your credit card doesn't already offer this as added value?

Even if yours does NOT add this kind of service, a dedicated towing service from a third party will serve you better and save you more than adding towing to your auto insurance policy.

7. Have you checked if your credit card company offers rental car coverage? More often than not, you'll discover that your credit card provider has already given you this coverage as added value. Therefore, to ensure you do NOT pay more for unnecessary coverage, check.

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8. You can save much money in auto insurance if you obtain and compare auto insurance quotes from insurance quotes sites. You'll make savings if you go to just one quotes site. But, you'll get more by using at least five.

The plain logic in this is that you will receive a greater number of auto insurance quotes from a wider range of insurance companies. This raises your chances of getting better quotes.
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