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.
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:
- 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.