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Low Cost Auto Insurance in California

Finding low cost auto insurance in California does not have to be a frustrating challenge, even if you have special needs. As a matter of fact, these things can work in your favor. Here are a few tips for finding the best rates in car insurance if you are different than the average driver.

Luxury Vehicle

The average driver is looking for the cheapest insurance for which they are eligible. They want protection for themselves and for their vehicle, but they have no reason to pay for excessive coverage. Low cost auto insurance in California is more important than anything else for this type of driver. However, not everyone places themselves on this list.

If you drive a luxury vehicle or one for which you want ultimate coverage, you are going to pay a little bit more. A lot of times brand new car owners fall into this category, even if their cars are average models. It is still possible to find great rates on coverage if you are driving a luxury or brand new vehicle. When purchasing the vehicle, be sure you get all of the safety features possible. This brings the rate down, even if the value of the car is higher than usual. Also be sure to keep your driving record clean. Avoid speeding tickets no matter what your vehicle is capable of doing!

Spotty Driving Record

This brings us to the next category. Those without flawless driving records are going to pay more than people whose records are spotless. Accept this as a fact of life, but commit to bringing your record down over time. The longer your record stays clean the less you will pay for insurance.


Unfortunately, even those with clean driving records sometimes have trouble finding low cost auto insurance in California. Inexperienced drivers are considered risks by insurance companies because they have no driving history to back up their claims of safe driving. If you are new to driving, consider sharing a policy with a more experienced driver to save money.

Multi-Vehicle Policy

Multi-vehicle policies are one of the best ways to save money on auto insurance no matter what your unique circumstances. When insurance companies gain more than one customer as a result of your business, they reward you with a discount. This helps drivers who are at risk lower their rates, but it also makes insurance cheaper for everyone involved in the policy.

If you are searching for low cost auto insurance in California and you have special needs that make affordable rates tough to find, use our free search tool. We point you in the right direction and help you find a policy that is right for your budget and your vehicle.

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