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Tips on Obtaining Cheap Car Insurance in California

Most drivers in California already know how expensive car insurance can be. But this does not necessarily mean that cheap car insurance in California doesn’t exist. Sure it may be hard to find but it’s still out there. Although it is illegal and dangerous to drive your car without insurance, a few drivers have been known to do this. California State laws require every registered motor vehicle to be insured, whether on the road or not. But finding cheap car insurance in California can be a hard task especially given that many registered car insurance companies’ claims to offer “quality and affordable” service.

So how do you secure the best deal? In California, cheap car insurance may actually be easier to find, than most people think. It all depends on you. There are things you could do to enable you make great savings on your car insurance.

Before you get your new or used car, decide on which company you want to provide insurance for the car. Although you can get valuable advice by asking friends and relatives or calling auto insurance companies, the best place to get this information easily is the internet. There are many websites where you could request and obtain quotes for free. Compare the different rates from the many California car insurance companies on the car make and model that you plan to get. Remember, the make and model of your car, its shop price, age, safety rating and cost of repairs are all used to determine how much you are charged. This means that it will be less expensive for you to insure a regular sedan as compared to a flashy sports car.

Insurance companies value loyalty. To get cheap car insurance in California, consider using the same policy for all your cars if you have more than one. Most California car insurance companies will reward this by discounted premiums. If the provider covers other property such as a house, you may want to include it on the policy to enhance your discounts.

In California, keeping a clean driving record may also result in cheaper car insurance. While a first accident on your driving record could push your monthly premiums up by as much as 40%, a clean driving record on the other hand will significantly lower your premiums.

Consider buying annual policies instead of monthly. This is another great way to make savings since the overall 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 auto insurance. In California, cheap car insurance may be available to you if your credit rating is good. Such inspires confidence and results in discounted rates.

As you can see, cheap car insurance in California is not a myth. It only requires for you to look, ask questions and compare. You will be surprised to know that it can only get as low as you want it.