Cheap California Auto Insurance – Quick and Easy Way to Save Money
You want to keep your family safe without breaking your family budget. With a few simple changes, you can get cheap California auto insurance while still protecting your family.
In California, dropping your auto insurance can have serious consequences. Not only will you suffer the fines and court costs that normally go along with driving without insurance, but in California, your registration can be suspended or revoked. If you are pulled over and unable to show insurance paperwork, your car may be impounded, resulting in fines at the impound lot. Further, not having insurance can actually result in your license being suspended. In California, if you want to drive, you must have insurance.
Even though auto insurance is the law in California, many low-income families simply can’t afford it. In most of California, public transportation isn’t a viable option, forcing these families to put their driver’s licenses at risk. Minimum coverage insurance policies are available for these families, but California’s strict insurance laws with $15,000 and $30,000 in personal injury liability and $5,000 for property damage, finding cheap California auto insurance can often be a challenge.
If you choose to stay with the minimums when searching for cheap California auto insurance, keep in mind that minimum coverage insurance often involves high deductibles. If you happen to get in an accident, your costs might be fairly high. The best way to search for cheap auto insurance is to compare rates online. Just be sure you are comparing the same coverage with all insurance companies. Before you search, though, it might help to know that insurance companies often base premiums on some key factors that might be within your control.
Since auto insurance companies often check credit ratings, if you can clean up your credit score before shopping around, do so. If you have a good driving record, you will find your rates are lower than your friends and family with bad records. Be mindful of the consequences of careless driving and do your best to keep your driving record as clean as possible. Your car can also influence your insurance premiums. Each year, California releases a list of the “most stolen” cars. Check this list online before you go car shopping. Also, before you head out to car lots, keep in mind that if you are looking for cheap California auto insurance, safety features such as airbags and anti-lock brakes make a difference. Car alarms can also bring down rates.
Even the part of town in which you live can make a difference in finding cheap auto insurance. If insurance companies deem you to be in a high-risk theft zone, your rates could go up. If your area has a large amount of street traffic, auto insurance companies may raise your rates. While you certainly are not expected to move, keep this in mind when you are in the market for a new house. Californians can’t afford to drive without auto insurance. Fortunately, with a few simple changes, you can find cheap California auto insurance.
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