The cost of living in some states throughout the Unites States can
often be higher than others, and California is one of them. Although
the state ranks among the top in the nation for having higher car
insurance rates, it is possible for citizens to find cheap California
auto insurance that also satisfies their coverage needs. Car owners
just need to know what to look for, and how to secure lower rates from
Every automobile insurance company in the state is regulated by the California Department of Insurance.
Their primary function is to ensure that California insurance companies
engage in fair business practices and successfully cater to the needs
of their customers. The minimum coverage required in the state of
California for licensed drivers is liability insurance. This type of
automobile insurance coverage pays for damages done to another driver’s
car or property, when you are found at fault for an accident. Liability
insurance also covers the costs associated with medical expenses for
both parties involved in the accident.
In addition to liability
insurance, there are also other types of automobile insurance coverage
options for drivers in California to consider. They can include the
- Collision coverage – Pays for damages to an individual’s car, regardless of who is at fault.
- Comprehensive coverage – Covers damages caused by incidents other than collisions, such as acts of vandalism, fire, theft etc.
- Personal injury protection – Pays for both the driver’s and passengers’ medical bills in the event of an accident.
- Uninsured/underinsured motorist – Covers the driver’s and
passengers’ medical expenses, as well as damages to the car caused by
an uninsured or underinsured driver.
When it comes to purchasing California auto insurance
there are several ways individuals can secure lower rates for coverage.
Because the insurance market is very competitive, companies are
continuing to find innovative ways to win your business. Many of them
tend to offer drivers cheaper rates for auto insurance, including
California insurance companies. However, drivers need to be aware of
certain conditions that apply to obtaining cheap California auto
insurance:1. Driving record
Drivers can avail
the lowest premiums for California auto insurance by maintaining a
clean driving record. Having a clean driving record includes no
accidents, no speeding tickets, or any other type of related traffic
violations. Individuals with a heavily tarnished driving record can
expect to pay as much as double for California auto insurance in
comparison to drivers with a clean history. Therefore, it is imperative
for car owners to consider this fact when they are trying to find cheap
California auto insurance coverage.2. Education/training
California insurance companies will offer car owners significant
discounts for undergoing certain training courses in driver’s
education. Therefore, producing certificates of completion in defensive
driving classes can help individuals to obtain cheap California car
insurance.3. Safety features
Car owners can also
obtain cheaper California auto insurance by incorporating certain
safety features in their vehicle. For example, California insurance companies
will typically offer discounts to drivers for installing an alarm system or air bags.4. Academic standing
younger drivers, auto insurance is generally more expensive in every
state due to the higher risk involved for insurance providers. However,
many states, including California reward young drivers with discounted
rates for automobile insurance if they get good grades in school. The
grade point average that must be earned in order to secure this benefit
is a 3.0 or higher.
Finding cheaper rates for automobile insurance
is possible no matter where individuals reside, even if it happens to be in “the golden state” of California!