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Tips to Reduce the Cost of Car Insurance in California for Young Drivers

All drivers in the state of California are required to carry car insurance with limits of 15/30/5. This means that drivers should have 15 thousand dollars of coverage for bodily injury that occurs to every person involved in an accident, 30 thousand dollars to cover for bodily injury that occurs in an accident and 5 thousand dollars to cover for property damage that occurs to another person’s property or vehicle.

The cost of auto insurance in California for young people and under the age of twenty five is usually high. The normal quote for a young person who is between the ages of eighteen to twenty-five can be in the range of $300 per month. However, there are certain things that you can do to help you reduce the cost of auto insurance. The first thing that you can do in order to find California cheap car insurance is to shop around.

FreeCalifoniaAutoInsuranceQuotesYou can compare the rates of California car insurance from the comfort of your home by using the internet. Ideally, you should visit a number of websites in order to raise your chances of finding a low cost policy. Another better option is to visit an insurance comparison website which will allow you to get quotations from many different insurance companies. Such websites must not be affiliated with any insurance company.

The other way in which you can get to pay low premiums for car insurance in CA as a young driver is by joining with the insurance policy of your parent. Your parent will be the main holder of the policy with you as an additional driver. You can also save on auto insurance by applying for various discounts. They differ from one company to the other but one of the major discounts that are available for young drivers is the good student discount. This is offered to college or high school students who have a GPA of 3.0 or higher, to those who are in the top 20% of the class or those who are on the honor roll. This discount saves you 10 to 15 percent on your premium.

You can also be eligible for discounts on your California car insurance after you take a defensive driving course. Another discount that you can take advantage of is the one offered to drivers who increase the safety features of their cars. Some of these features include anti lock brakes, automatic seatbelts and alarms.

Another thing that you can do to reduce the cost of auto insurance in California is to raise your deductibles a little bit. This will reduce the rates you pay and a common deductible is one of five hundred dollars after an accident. Getting a deductible lowers the cost of premiums because an insurance company pays less after you suffer an accident. However, you should only raise your deductibles if you can afford to do so.

 

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