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How to Save on Car Insurance in California

For most people in California, driving can be expensive. Thanks to car insurance costs. But it being a legal requirement and a financially sound idea, car insurance in California cannot be avoided. However, this should not necessarily mean that your car insurance is unaffordable. Some drivers have been known to risk their cars on the road without insurance. It is not only illegal, but dangerous. California State law requires every registered motor vehicle to be insured whether on the road or not. Getting insurance for your car at an affordable price is the most challenging task.

So how do you get yourself the best deal? In California, cheap car insurance is no longer a dream. In fact it is actually easier than most people think. It all depends on you. There are things you could do to enable you make significant savings.

To start with, consider the insurance options available to you well before you get your new or used car. You could ask from friends and relatives who already have car insurance for a referral. Make calls to auto insurance companies or run online searches to get quotes for free. Compare the different rates offered by the many insurance companies on the specific make and model of car that you plan to get. You will discover that quite a number of California cheap car insurance companies offer great services. Remember, the make and model of your car, its shop price, safety performance and cost of repairs are among the things that determine how much you are charged. This means that it will cost you less to insure a regular sedan as compared to a flashy sports car.

Insurance companies value loyalty. If you have more than one car, you can get yourself some great discounts if you choose to use the same policy for all your cars. Your reward will come in discounted premiums. If the provider covers other property, you may want to include some like your house, on it.

Being a safe driver will also save you on insurance costs. Maintaining a clean driving record, for example, will not only keep you safe on the road but will also result in cheap car insurance. At the opposite end, a first accident on your driving record could push your monthly premiums up by as much as 40%!

Consider buying annual policies instead of monthly. This is another great way to make savings since the rate will be lower. Another good thing about this arrangement is that your rates cannot be adjusted during the period of the policy.


Good credit rating is another way that could earn you discounts on your car insurance. For most car insurance companies in California, a good credit rating will inspire confidence and result in discounted rates.

All in all, you can still save big time on car insurance in California. You just have to look, compare, ask questions and do what is required of you. It can only get as cheap as you want it.