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5 Tips for Finding Cheap Car Insurance in California

Home / Insurance / 5 Tips for Finding Cheap Car Insurance in California
Cheap Car Insurance In California
Photo by Ahmet Yalçınkaya

Useful tips that can help you find affordable car insurance in California.

Finding affordable car insurance in California can be challenging with high premiums. Use these 5 tips to get the best deal on auto insurance.

Table of Contents
  • Useful tips that can help you find affordable car insurance in California.
  • 1. Compare Quotes from Multiple Insurers
  • 2. Ask About Discounts
  • 3. Raise Your Deductible
  • 4. Limit Your Coverage
  • 5. Maintain Good Credit

1. Compare Quotes from Multiple Insurers

Getting quotes from several insurers is key to finding the lowest price. Rates can vary dramatically between companies, so compare quotes to find the cheapest option. Use an online comparison tool to quickly get quotes from top insurers.

2. Ask About Discounts

Most major insurers offer discounts that can lower your premium. Ask about discounts for things like:

19/05/2025 2:46 pm
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  • Good driver
  • Low mileage
  • Anti-theft devices
  • Paying your bill annually
  • Bundling auto with renters or homeowners insurance

Taking defensive driving can also score you a discount. Multi-policy and good driver discounts can save you 10% or more.

3. Raise Your Deductible

Opting for a higher deductible, like $500 or $1,000 rather than $250, can substantially reduce your premiums. Just be sure you have enough savings to cover the higher deductible if you need to file a claim.

4. Limit Your Coverage

Eliminating unnecessary coverage can save on your premiums. For example, you may be able to remove comprehensive and collision coverage on an older car worth less than $1,000.

However, don’t skimp on critical coverages like bodily injury liability and property damage liability. Make sure you meet California’s minimum auto insurance requirements.

5. Maintain Good Credit

Insurers often use credit-based insurance scores to set rates. Maintaining a solid credit score can help you earn lower premiums.

19/05/2025 11:04 pm
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Post Tags: #Auto Insurance#California
Steve Riley

Steven Reilly is a qualified mechanic and his passion for cars goes beyond just the technical aspects. He is also an amateur racer and all round car enthusiast. When he is not driving them, he can often be found in his garage under the hood of a rare model. Steven Reilly has lost track of the number of hours he has spent setting up his fine collection of rebuilt models. He believes that cars can provide a constructive and fun opportunity to teach the youth important life skills. In line with this, he is developing a community outreach program, potentially dubbed ‘Cars for change'.

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