Car Insurance California Cheap: Expert Tips and Tricks

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California is known for its sunny beaches, rich cultural heritage, and scenic highways. However, driving in California can be an expensive affair, especially when it comes to car insurance. According to the California Department of Insurance, Californians pay an average of $1,713 per year for car insurance, which is higher than the national average. But don’t worry! In this article, we will provide you with expert tips and tricks to find the cheapest car insurance in California without compromising on coverage.

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Factors Affecting Car Insurance Rates in California

Before we dive into the tips and tricks, let’s understand the factors that affect car insurance rates in California. The following are some of the main factors:

Factors
Description
Driving Record
Drivers with a clean driving record are likely to get lower rates compared to those with a history of accidents and traffic violations.
Age
Young drivers (under 25) and senior drivers (above 65) are considered high-risk drivers and may have to pay higher rates.
Location
Car insurance rates can vary depending on where you live in California. Urban areas with high traffic and crime rates tend to have higher rates compared to rural areas.
Vehicle Type
Luxury cars and sports cars are expensive to insure compared to economy cars and sedans.
Credit Score
Drivers with a good credit score are likely to pay lower rates compared to those with a poor credit score.

Keep these factors in mind while shopping for car insurance in California.

Tips and Tricks to Find Cheap Car Insurance in California

1. Shop Around

The first and most important tip to find cheap car insurance in California is to shop around. Don’t settle for the first quote you receive. Get quotes from at least 3 different insurers and compare them based on coverage, deductibles, and premiums. You can compare quotes online through comparison websites or by contacting individual insurers.

2. Opt for Higher Deductibles

The deductible is the amount you pay out of pocket before the insurance kicks in. Opting for a higher deductible can lower your premiums significantly. However, make sure you can afford to pay the deductible in case of an accident.

3. Bundle Your Policies

If you have multiple policies (such as home and auto), consider bundling them with the same insurer. Insurers often offer discounts for bundled policies.

4. Drive Less

Most insurers offer low-mileage discounts for drivers who drive less than a certain number of miles per year. Consider carpooling, using public transportation, or working from home to lower your mileage.

5. Improve Your Credit Score

Improving your credit score can lower your car insurance rates. Pay your bills on time, reduce your debt-to-credit ratio, and dispute any inaccuracies in your credit report.

FAQs About Car Insurance in California

1. How much car insurance do I need in California?

California law requires drivers to have a minimum liability coverage of $15,000 per person, $30,000 per accident, and $5,000 for property damage. However, this may not be enough to cover all damages in case of an accident. We recommend getting higher coverage limits.

2. Does my credit score affect my car insurance rates in California?

Yes, most insurers in California use credit scores as one of the factors to determine car insurance rates. Drivers with a good credit score are likely to pay lower rates compared to those with a poor credit score.

3. Can I get car insurance if I have a DUI in California?

Yes, you can get car insurance if you have a DUI in California. However, you may have to pay higher rates and get an SR-22 certificate from the DMV, which verifies that you have liability coverage.

4. Can I get discounts on car insurance in California?

Yes, most insurers in California offer discounts for safe driving, low mileage, bundling policies, and having safety features in your car such as airbags and anti-theft devices.

5. How often should I review my car insurance policy in California?

You should review your car insurance policy at least once a year to make sure you have adequate coverage and are not overpaying for premiums. You should also review your policy if you have a major life event such as buying a new car or moving to a new location.

Conclusion

Finding cheap car insurance in California is not impossible. By using the tips and tricks mentioned in this article, you can save money on car insurance without compromising on coverage. Remember to compare quotes, opt for higher deductibles, bundle policies, drive less, and improve your credit score. And don’t forget to review your policy regularly to make sure you are getting the best deal. Safe driving!

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