Finding Low Cost Car Insurance in California

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Finding low cost car insurance in any state seems pretty difficult right now. Finding low cost car insurance in the state of California seems, to some, almost impossible. With some of the highest auto insurance rates in the country, it seems like cheap insurance coverage is more a dream than a reality, but if you know where to look you might just be surprised at what you find. Here are a few things to keep in mind as you search for California low cost car insurance.

Don't Be Duped by Customer Loyalty Discounts

Some companies give great discounts to drivers who have been loyal customers for a number of years. This is a great perk and for many makes a huge difference in the amount they pay for car insurance each year. In order to find low cost car insurance in California, though, you'll want to shop around even if it means giving up that discount. A great discount on a high-cost policy can easily be beat out by a great quote with a company that simply offers lower rates to start with.

Buy a Reasonable Vehicle

Are you in the market for a new vehicle? If you're really serious about finding California low cost car insurance you need to keep the type of vehicle you purchase in mind. A sports car with a high horsepower engine is going to cost a lot more to insure than a simple four-door sedan with anti-lock brakes and an anti-theft device.

Ask for Additional Discounts

Make sure you ask every carrier you shop with about the discounts they offer drivers. Some companies offer discounts to drivers who work in low-risk occupations (ie. an office worker who sits in an office might pay less than a construction worker driving from site to site multiple times per day). You may also qualify for multi-policy discounts, senior citizen discounts, and discounts for having attended driver safety courses.

Understand Your Options

The state of California currently offers two options to drivers. The first is a standard policy and the second, to be introduced soon, is the option to pay per mile for your coverage. If you drive very little, or need an incentive to drive less, purchasing a pay-as-you-go type policy might prove a very effective way to obtain California low cost car insurance.

Our site has been designed to help you find the best rates with the best companies in the state. Let us take your vehicle information and shop it with several companies. We'll bring you back great quotes and your only job will be to compare them and make the choice that is right for you!

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