In your quest of finding affordable auto insurance in California, if you are a low income earner you may end up facing a lot of challenges but there is always a way to get it done. You may have to sacrifice some benefits and good coverage, but at least you will get auto insurance. This is crucial because statutory law in California requires all motorist or vehicle owners to have vehicle coverage. This will in turn help you cover the expenses and costs that may arise in case of a car accident. If a policy has such coverage then it usually comes with a big price tag too but this does not mean that this is what you have to pay.
You may have to employ some tricks to be able to get cheap insurance coverage if your income cannot afford the policy with the best coverage and benefits. To do this, the first thing to do is get yourself a number of options that you can choose from and choose the most reasonable one for you. You will find out that some California car insurance companies will offer more expensive rates for policies at lower rate than the others. There are also factors that some auto insurance companies will give discounts while others do not. You may be surprised at how easy it is to get one.
One trick is to always ensure that your vehicle is installed with anti-theft, alarms and other security features and most companies in California will give you a discount on your premium. Others will give discounts for installing anti-lock brakes, lo jacks, sounding alarms or gas shut offs. Another trick is to avoid expensive and luxury cars because they have a negative effect on your insurance premium. Their parts are expensive and attract a huge risk of theft. Furthermore, if you claim to have a low income such kinds of cars should be out of your reach.
Another way for a low income earner to get affordable auto insurance is by getting a discount for low mileage. This come about as a result of car insurance companies knowing that the less time you are on the road driving, the less chances you have of getting involved in a car accident. Most auto insurance companies in California consider mileage less than 12,000 miles per year to be low enough to qualify you for the discount. Other discounts may apply to you if you maintain a clean driving record for a certain period of time or if you take particular traffic safety programs, especially for teens. You may also consider setting a deductible amount you can afford to pay and in turn get a low rate on your premium.
These are just but a few ways to lower your California car insurance coverage without necessarily compromising it. You can also make comparisons on low income auto insurance options available from many leading insurance companies by entering your zip at the top of the page and make the decision.
