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How To Find Affordable California Car Insurance Rates

Insurance can be expensive, but with some smart shopping you can learn how to find affordable California car insurance rates.  Rates and policies vary from company to company so it’s always best to get quotes from several different insurance companies before making a decision.  California auto insurance rates differ dramatically; understanding how to find affordable ones that still meet your needs is simply a matter of following the guidelines below.

Who To Ask About How To Find Affordable California Car Insurance Rates

Don’t be afraid to ask your friends and family for who they recommend.  These are the people that are going to tell you if the service they are getting is worth the premium they are paying.  A few other places you can look to help you find more information, on car insurance companies, including their rates, from other consumers are Consumer Reports, JD Power, EPinions and the California State Department of Insurance website.

You might also want to consider the help of an independent broker or agent who can provide additional information and will probably know the best companies that are more likely to have affordable California insurance rates.

You don’t want just affordable coverage; you want affordable and good coverage from a stable company.  After all, satisfying the state of California’s insurance requirements and protecting yourself can sometimes be two different things.  It does no good to have car insurance if the time comes when you have to file a claim and your insurance company is less than helpful, unresponsive and does everything they can to get out of paying the claim.

Affordable car insurance and good insurance do not have to be two separate entities.

How To Find Affordable California Auto Insurance Rates With Smart Shopping 

When making a major purchase you normally shop around for the best deal.  You want to do the same thing when looking for car insurance.  Remember, when you are buying car insurance you are also buying financial protection for yourself.

  • If you are in the market for a new car, check with your insurance agent or broker to find out what it is going to cost to insure the car you are looking at.  Many times people will be selling a sports car that they have had less than a year because they can afford the car but not the insurance.  Rates will vary on the type of car you are looking at as well as safety feature such as air bags, anti-lock breaks, daytime running lights and anti-theft devices.
  • Look at a higher deductible.  A $500 deductible compared to a $200 deductible can save you around 15%.  However you don’t want to pick a $1000 deductible if you will have a hard time coming up with it in case you have to file a claim.
  • If you have an older car, consider reducing your coverage on it.  Chances are it will not be cost effective to carry full comprehensive insurance on a car that is 10 years old.

Affordable California Car Insurance Rates And Discounts 

These are just some of the discounts that are available. 

  • If your insurance company offers both homeowners and car insurance, consider buying both from the same company.  Many companies offer discounts for multiple policies.  By the same token, it will probably be cheaper to add a car to a policy than purchase a separate policy for each automobile.
  • If you don’t drive over 7,000 miles a year you can probably get a low mileage discount.  These discounts are also available to car pool members.
  • Make sure you maintain good credit.  The lower your credit score is the higher your premiums will be.  The rational behind this is that those with low credit ratings are more likely to have accidents and file claims.
  • Safe driver discounts are available to those with no accidents or moving violations on their record.  By the same standard, those over the age of 50 – 55 can get discounts for taking a defensive driver course and if you have a teenager on your policy their rates can be lowered if they maintain a certain GPA.
  • Discounts are available for cars with various safety devices installed such as anti-lock breaks, air bags, automatic seatbelts or daylight running lights as well as anti-theft devices and GPS systems.

Compare Affordable California Car Insurance Rates Now

Now that you know how to find affordable California insurance rates, why not get started?  Our easy to use tool at the top of the page let’s you compare multiple policies from multiple agents in a snap! Get started finding CA auto insurance now!

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