Car insurance is one of the biggest expenses when owning a car. However, there is no way around it as it is required by law. Many factors affect the car insurance premium, like your gender and age, the type of car you are driving, your driving history, and many others.
In California, insurance minimums are the following:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Nevertheless, California has a big advantage for cheap car insurance as your credit rating isn’t considered for the calculation of your premium.
In this article, you are going to learn how to get cheap car insurance in California.
#1 Compare Quotes from Different Companies
If you are looking for cheap car insurance in California, you need to keep in mind that you have to shop around. Every insurance company has different programs with different coverage. For this reason, you need to carefully check every program to find if you need everything included. Compare as many premiums as you can so that you can ultimately find the cheapest one that also provides the coverage you need.
#2 Be Mindful on the Road
Maintaining a clean driving history is very important for getting cheap car insurance in California. First of all, by keeping away from distractions you avoid the danger of getting involved in a car accident. On top of that, you also avoid all kinds of violations that might not seem important but have an immediate effect on the car insurance premium. Safe drivers might even get a discount that ranges between 10% and 23%.
#3 Search for all the Discounts Available to you
Discount for driving safely isn’t that only one you can take advantage of. In California for example, you can get an additional 5% discount by completing a defensive driving course. You can also get a discount for installing an anti-theft device, your car is less than 5-years-old, you opt for paperless billing, you pay your yearly premium at one payment, and more.
#4 Increase your Deductible
The deductible is the amount of money you will have to pay, before the insurance company takes any action, in the event of an accident. Normally, the deductibles in California range between $250 and $1000. If you choose to go for a higher deductible, your premium will be significantly lower.
#5 Choose only the Coverage you Need
When choosing a car insurance plan, you need to carefully review everything that it includes. If you find that you don’t need some of the coverage, ask your agent to remove it. Less coverage means fewer premiums. For example, if you are going to drive a very old car, you can remove collision or comprehensive coverage. When the value of the car is very low, the cost of this coverage might be of equal value.
Car insurance is essential when you are behind the wheels daily. Learn everything you need to know about cheap car insurance in California on MyStatewideInsurance.