California auto insurance rate read this and save 40% or more on your car insurance premiums and get quick quotes online. You'll be amazed at how much money you can save on your insurance if you will just follow these tips and apply these discounts
California has some of the highest prices for car insurance in the nation and California also has the highest prices for almost everything in the nation. There many things in California you cannot save money on but insurance is something you can save money on if you know how to do comparison shopping and apply discounts.
In order to license your car in California you are required to have liability insurance but that's all you need. What this does is pay for damage to another person's car or property if you happen to be at fault in an accident.
You also pay for any medical expenses that the passengers in the other car may occur and compensate people for pain and suffering.
The minimum required coverage in California is $15,000 coverage for injury to any person in another car and $30,000 coverage for injuries to all people in the other car and $5000 coverage for damage to the other car.
5 tips to low rates
1. Raise your deductible.
Raising your deductible to $1000 per accident from $200 deductible per accident will significantly lower your insurance premiums by 40% or more.
2. Be a safe driver.
If you have any accidents or speeding tickets go to drivers school and have the points removed from your license and this will lower your car insurance rates.
3. Ask for discounts.
If you belong to an organization or maybe even to the company where you work you may be eligible for a discount on your car insurance but in order to get the discounts you have to ask for them.
4. Dropping the comprehensive insurance on your policy and going to straight liability policy will save you 20% of the cost of your insurance. If your car is financed through a bank or credit union you will not be able to do this because they will want you to have comprehensive insurance in order to protect their investment.
5. Buy your homeowners insurance and your automobile insurance from the same company and this will save you another 10%. I do this myself and even the direct insurance companies cannot even come close to matching the price even though they send me offers in the mail several times a week.
You can lower your car insurance price even if you live in California.
California auto insurance rate does not have to be high if you will take the time to do comparison shopping and apply all the available discounts.
Author Resource:-
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