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Tricks on Getting Auto Insurance in California for Low Income Earners

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.

Lower Rates for Car Insurance in California for Teen Drivers

Teenage Drivers in California may just view this as good news. The rates for Car Insurance in California might be going down for them. California is known for its competitors raising their rates in the past years, but all hope is not lost. This is more so for those individuals who will prove that they are serious and ready to do something to prevent accidents by young drivers from happening.


New program with discounted rates

There is a new program for teenage drivers in California that is offering discounted rates of up to 15% of the standard rate. The discount program is based on some sought of loyalty factor, whereby teens are given discounts based on the period of time in which their parents have been insured with a certain company. This discount program is an excellent way to reward those customers who have been with them for long periods by giving lower rates for their teenagers.

Safe Driving Program

California is offering a safe driving program that will consequently and automatically give discounts to teenage drivers who complete the driving courses successfully. The courses are optional but offer very important information. Most of these courses include the theory part in classrooms as well as the practical bit of it on the roads behind the wheel which is critical in teaching teenage drivers proper driving habits and safety from the very beginning. Parents should feel much safer with this course as it is better for their teenage sons and daughters to learn from a paid and experienced instructor than learning by watching from the back seat as their parents drive.

Research is Key

If you have teen drivers in the house and you are in search for low insurance rates, it is better to do your research before you switch your car insurance company choice. The most common thing that happens with many families in California is that they switch to another car insurance company for their teenagers because the other company may be offering a great deal at the time, then when an accident happens and their teenagers happen to be at fault, they end up in a situation whereby their insurance is cancelled or the rates have all of a sudden sky-rocketed. Once the accident happens, the great deal disappears. Most of the car insurance companies in California that do this are not the big companies that already have a big market share. Research has shown that this usually happens with the small companies with little market share.

If you are a concerned parent and are not sure of whether your teens car insurance in California is getting the best rates, enter your zip above and compare your current rates with other companies. Do it now and get the best and lowest rates in your area.

California Auto Insurance for Different Life Stages – Five Facts to Keep in Mind

All drivers know that auto insurance is a legal requirement by law but most just do it because of this reason without taking time to study their insurance cover. Most people are confused by the numerous types of Auto Insurance in California covers that are available. The industry’s jargon does not make it any easier so many people choose to go with the most common cover around. One must follow the few guidelines mentioned herein to make the best decision and at least to stay informed. First of all, one should be familiar with the various types of insurance policies available and to know what one is paying for.


California and many other states in the US, require a driver or vehicle owner to have a liability insurance that should take effect in case of an accident. This insurance covers any injuries or damages resulting from the accident depending on which insured party is at fault. If the vehicle is financed either through a loan from whichever institution, the lender or financier requires the driver to have the insurance in the car to act as a cover in such an event. Other forms of coverage like the Uninsured Motorist Policy, covers you in the event that the party at fault in the accident has no insurance or if their policy is not sufficient to cover damages to yourself or the vehicle.

When purchasing a new car also keep in mind the cost of insurance to cover the vehicle. Some vehicle brands and models cost more to insure than others. Sports cars may cost more to insure than regular sedans.  Many other factors may also affect the cost of insurance cover. In some states just like California, persons over 25 years of age pay less in terms of auto insurance than others. This is because people below that age are more likely prone to cause accidents due to inexperience or sheer carelessness brought about by youth. Mature people know all too well the cost of insurance and will avoid instances where their premiums may be increased like traffic tickets, DUIs and many others

Another important factor to put in mind is the level of insurance coverage you need.  This will heavily depend on what you mostly use your car for. If it is just for leisure then the cover shouldn’t be so high. But if it is related to your work, the coverage has to be high since without the car you will not be able to make money and subsequently unable to make a living. There are numerous insurance agents, brokers and companies online.

By entering your Zip in this site, you browse them and get advice on the best insurance cover for your vehicle. Compare many insurance company quotes against themselves and contact an insurance broker for more information in case you are unsure.