Tips For Finding Inexpensive Auto Insurance In California
California is one of the most expensive states to live in. Residents tend to pay more for the cost of things such as housing, education and even gasoline. It is no wonder that many Californians search for bargains when it comes time to paying for car insurance. As with any major purchase it is important to try and find the best deal possible on your policy. Here are a few tips to help those who live in this state find the most affordable and high quality coverage.
Understand What Coverage You Need To Drive In California
It is wise to understand the laws of the land no matter where you live. Many states like California require drivers to maintain an active auto insurance policy of some sort. In this specific state motorists are required to carry liability coverage at levels of $15,000 per person and $30,000 per occurrence for bodily injury. They are also required to carry property damage at a level of $5,000 per accident. With this type of policy however, there is no coverage for the policy holder and their passengers and also there is no coverage for their vehicle. Usually people that own cars that are older or not worth a significant amount of money will carry only the state minimum requirement.
By knowing what is required in California you can make a smart decision when it comes time to purchase auto insurance. One way to get coverage at an affordable rate is to make sure you do not buy too much coverage. What this means is that if you have an older model vehicle that you could replace fairly easily without causing a financial burden, you would most likely only need the state minimum coverages. If you bought comprehensive and collision coverage you would be over-insured in this case and would be paying a lot more than you should be.
Find Out About Discounts Available For Insurance In California
Educating yourself about any and all available discounts will be a huge help in finding a cheap policy as well. There are literally dozens of discounts available for things such as being an auto club member to belonging to a local workers union. You must ask the company or agent that you are acquiring quotes through to see which ones you will qualify for. Comparing car insurance rates and discounts from multiple companies will be ideal to help lower the cost of insuring your car or truck. Using comparison websites like 2autoinsurance.com can really help you do this fairly quickly with little effort on your part.
Another important tip when getting auto insurance quotes is to be truthful and honest when answering questions or filling out estimate request forms online. Be sure to list any tickets or accidents on your record and also it is important to list the accurate annual mileage information. Remember that if you spend less time on the road it can result in paying less money for coverage. Carriers will often give you a much lower rate if you do not use your car to drive a lot of miles.