If you live in the Golden State you know that auto insurance can be quite high in many areas. Consumers are finding it increasingly challenging to find low cost car insurance in California (CA), but the search for low rates does not have to be difficult. We can provide you with resources and information to help you get a great auto insurance policy at a great rate.
In comparison to many states, California’s car insurance requirements are fairly basic. You must carry bodily injury liability coverage of $15,000 per occurrence with a $30,000 limit. You must also maintain property damage liability coverage with a $5,000 limit.
California is unique in that the state Department of Insurance maintains a program that helps residents get low cost car insurance in California. Called the California Low Cost Automobile Insurance Program (CLCA), the initiative is designed to provide an affordable auto insurance option to low-income good drivers. While this can be an excellent option if you qualify for it, there are strict income eligibility requirements, so many California drivers cannot access this program.
Overall, the state of California is close to the national average when it comes to costs of auto insurance premiums. The average auto insurance premium for California drivers is $1,694 in 2009 whereas the national average is $1,780. Unfortunately, rates are going up. 2009 premiums are 9% higher than they were in 2008. There has never been a better time to search for low cost car insurance in California.
Here are a few tips to save you money on your next policy.
Consider eliminating collision coverage. If you are driving an older car you may be overpaying for your insurance. In some cases it may be cheaper for you to get rid of your collision coverage. The money you save could be more than the money you will spend to get your car repaired. There is no point is paying hundreds of dollars a year in collision coverage if your car is a clunker.
Be aggressive in asking for discounts. Consumers who have obtained low cost car insurance in California know that it pays to be aggressive when shopping around. Many insurers have a variety of discounts available to drivers, but oftentimes will not tell you about it. So be sure to ask your agent what discounts you may qualify for. Good driver, low mileage, good student, and professional discounts are all available from most carriers.
Another trick to getting low cost car insurance in California is to bundle your various policies together. If you have a homeowners policy with a particular carrier you first step should be to contact that carrier about youe auto insurance policy. In many cases you can get reduced rates if you keep multiple policies with the same company. Of course, alway be sure to contact other insurers to make sure you are getting the best rate possible in California.
Be sure to comparison shop. Like any other high ticket item you might buy, comparison shopping for car insurance can really pay off. There are many insurers that want your business in California, so let them compete against each other to offer you the best rate possible.
To get started comparing rates, just enter your zip at the top of the page and we will instantly connect you with the best discount carriers in California. There is no cost and no obligation when using this service, so get started today.