Low Cost Los Angeles Car Insurance -- The Following Will Get You Bigger Savings

It is NOT hard to obtain very cheap quotes and pay far less for sufficient coverage if you understand what to do. This write-up will show you things you can do if you want to pay less without downgrading the level of coverage you get...

1. Your rates will jump through the roof if you modify your car. 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. Any changes to your vehicle takes your rates up.

2. Drivers who don't make claims for more than 3 years normally attract a special discount for this. Some Los Angeles insurance providers don't offer this discount without some persuasion.

If your insurance carrier is one of those who don't offer this discount tell them without mincing words that you will move over to another provider. With this kind of driving history locating a much better rate is definitely quite easy since claims-free policy holders are every insurance company's dream.

And, believe it or not, your insurer is likely to have a rethink if they notice you are very serious about switching.

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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. 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?

So check with your agent before you commit to a new home. I know: That isn't usually an issue when you're looking for a home but it's really important.

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. If you have collision and/or comprehensive for an old vehicle which is not a classic, then you are spending a lot more than would do you any good. Your car's Kelly Blue Book value at point of making claims (and not the cost of the car when you bought it) is what controls what you'll be reimbursed by an insurance provider. So even if you've paid your premiums diligently for years but the Kelly Blue Book value shows your car has zero value, you'll get a dime from the insurance provider and they will be fully protected by the law.

Therefore, stop frittering away your hard-earned cash. As soon as a vehicle becomes old, drop collision and comprehensive coverage on it. You will be saving much if you do this.

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5. Do NOT be tempted to enter incorrect information in your bid to attract cheaper rates. Present details truthfully. One of the factors that has kept rates as high as they are is insurance fraud. It's making everyone pay a lot more.

If you couldn't care less about the cost to everyone in general, don't forget that your insurer is free to cancel your policy on the grounds of false representation. I hope you know that this will invariably make you a higher risk and this means you'll pay more for your next policy. Your rates are raised by a big margin by your new insurer once your auto insurance policy lapses.

Insurance fraud costs the average family an extra $1,500 in premium dollars each year. Help make the world a better place by doing your bit to ensure we don't have to pay a lot more.

6. Add-ons like towing raise your premium without giving you as much value as using a towing service. 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. You'll save if you exclude rental car coverage from your policy. Do this unless your credit cards does not offer you the benefit of rental car coverage. This is because most credit card companies add this as an additional value for all those who use their cards to rent a car. You'll simply avoid duplicating coverage if you check before you decide if it's necessary to still add rental car coverage to your policy.

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8. You can lower your auto insurance rates by getting and comparing quotes from at least five reputable quotes sites.

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