Do your utmost to always drive carefully. Please, make sure you make it a personal principle not to drive if you even sip any alcoholic beverage.

If you’re convicted for driving under the influence (DUI) you’ll NOT see cheap auto insurance rates for some years. Even little things like speeding tickets eventually add up to make you pay higher rates on the long run. You’ll be helping yourself by obeying all traffic laws at all times.

2. You’ll reduce your auto insurance rate if you have an excellent credit rating. A poor credit record will make you pay higher auto insurance rates. The simple reason for this is that there is a general consensus among many insurance carriers that there’s a link between poor credit rating and high risks. It’s normal for insurance providers to infer that a person who misses credit card payments will also easily miss payments of auto insurance premiums. This perception of increased risk makes such persons get very high rates in car insurance and other policies.

3. Those who have more than one vehicle will make reasonable savings if they insure them all with the same insurer. You can only do otherwise if the total of your premiums across different insurance [spin]companies|insurers[/spin] is less than what you’ll be given with a multi-vehicle discount if you buy from one insurance company. You can find out which will serve you best by first doing a little research before taking this step. Insuring more than one car with the same insurance company will always give a decent discount.

4. Having several policies with a specific insurance carrier also attracts a reasonable discount. All you have to do to qualify for this discount is to purchase your auto policy from the same insurer that is underwriting, for example, your home insurance.

Howbeit, care has to be taken because the fact that an insurance carrier gave you low rates for one policy doesn’t suggest they will for another policy. Comparison shop with quotes sites and also have a chat with your insurance agent. Thereafter, you’ll not be be taking chances as you choose which to do since you’re positive about which brings bigger savings.

5. People who don’t make claims for over 3 years usually enjoy a discount for this. Some insurers may not give this without some coercion.

If your insurance agent tells you that they don’t give this discount make it clear that you’ll switch to another provider. Take it or leave it, every insurer likes having insureds who stay claims free for these number of years and you shouldn’t have any difficulty getting lower rates with a host of other insurers.

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

6. You’re definitely spending more than necessary if you have collision and comprehensive coverage for an old car that is not a classic. Your car’s Kelly Blue Book value at point of filing claims (and not the price of the vehicle when you bought it) is what shapes what you will get paid by your insurance provider. So even if you have paid your premiums diligently for years but the Kelly Blue Book value shows your car is worth nothing, you will get nothing from your insurance provider and they’ll be fully covered by the law.

So, do the right thing and drop these coverage types from your auto insurance policy for all old cars. You’ll save much that way.

7. Get quotes and save. Use the link below…
cheap California auto insurance