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Budget Auto Insurance Company Of California

Are you looking for the Budget Auto Insurance Company of California?  Are you having problems finding it?  You aren’t the only one.  That is because it doesn’t exist.  At least not yet. So we’ve done a little digging to give you information on the Budget Auto Insurance Company of California, and various ways to find CA car insurance that meets your financial needs.

Budget Auto Insurance Company Of California: Well, Not Exactly

If you are going to be moving to the UK any time soon, they have a Budget Auto Insurance Company with the clever motto, “Smart People Budget”.  Maybe you came across Budget Direct Auto Insurance.

Guess what, they aren’t in the United States either, but they don’t make that information easy to find.  If you look in your search bar you will find .au.  That means Australia.  It is also mentioned in the size eight gray not so easy to read fine print on the bottom of the page.  Actually, it doesn’t say “We are in Australia”.

That would be too easy.  They have a little logo at the bottom of the page that looks like a Play-Doh rendition of Australia created by a first grader that reads General Insurance Code of Practice that obscures it even more.  You will be happy to know that there is a Budget Direct mail provider in the United States, much like UPS and Fed Ex, but that isn’t going to help with finding auto insurance in California.

Let’s start over.  You are looking for a budget auto insurance company that is in California.  After all, everyone wants to save money on their car insurance.  We can help you do that as well as make the quest for finding insurance easier in general.

Budget Auto Insurance Company Of California – A Name That Would Simplify Things 

Using the word budget sounds a lot better than using the word cheap.  Cheap implies not only is it inexpensive but you are getting what you are paying for and it’s not going to be that great of service.  Inexpensive Auto Insurance Company just doesn’t have the right ring to it.  Budget Auto Insurance Company works in the UK so why can’t it work here.  The name even gives you a sense of security that it isn’t going to break your budget.

Budget Car Insurance Company Of California: Or A Company That Fits Your Budget

Let us change things up a bit and ask “How can I find auto insurance company in California that will fit into my budget?”  

  • Make a list of what coverage you want.  Are you driving an older vehicle that you just need to insure for the state minimum amounts or are you preparing for hurricane season and looking to get full comprehensive insurance?  Knowing exactly what you want can save you time and prevent someone from talking you into insurance coverage you don’t want or need later.  Make sure to note which options you want but are not necessary in case you need to make some cuts because premiums are too high.
  • Decide how much you can fit into the family budget.  While legally you have to have car insurance in order to have your car on the road, you need to eat too.  Make two numbers, what you want to spend and what you can spend.
  • Decide on a deductible.  A higher deductible will save you money on your premium but if you find yourself needing to file a claim you want to be able to afford it.  Ideally you might want a $250 deductible but raising it to $500 would be more cost effective and make the coverage you want fit into your budget.  Make sure that you can afford that $500 deductible if the worst should happen.
  • Decide what kind of payment plan is going to fit into your budget best.  Keep in mind that if you choose a payment plan where you pay every six months or once a year you are going to need your first payment up front.  Many insurance companies offer a month to month plan that are usually easier to work with because you are making your payment every month instead of trying to remember to put money aside each month for when the bill comes due.  However, with a month to month plan you really need to stay on top of it.  If the mail service eats your bill one month you could find yourself without insurance which will be costly.

Now that you have this list to work from you are ready to start your search.

Budget Auto Insurance Company Of California – Discounts For Any Budget

Looking into what discounts are available can help you save money and fit your auto insurance into your budget.  You do need to keep in mind that if you have points on your driving record or have a history of moving violations that you will still have to pay higher premiums.  A low credit score is also going to up your premiums.

  • Discounts are available for safe drivers.  Most insurance companies look at your last three years of driving for tickets, points and previous insurance claims.
  • If you have anti-theft devices installed in your car or GPS tracking systems you can get another discount for making your car unappealing to car thieves.
  • Certain factory installed safety features will also help lower your premium.  These are things like anti-lock breaks, air bags, automatic seat belts and day light running lights.
  • Taking a defensive driving course, especially if you are over 55, can lower your premium.
  • If you drive your vehicle less than 7,000 miles a year you can get a discount.  There was a reason that the car you bought from the little old lady down the road was only driven back and forth to church only on Sundays.  She was living on a very tight budget and couldn’t afford the insurance if she drove her car any more than necessary.
  • If you have more than one auto to insurance put them on the same policy.  By the same token, if you can purchase your auto insurance from the same company that you get your homeowners insurance from you can get a discount for having multiple policies.

Compare Budget California Auto Insurance Quotes Now! 

We have provided an easy to use tool at the top of the page that will help you find budget friendly auto insurance companies in California.  Get started looking for budget car insurance quotes in California now!

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