Cheap Car Insurance in California

If you live in California, having car insurance is not only a good idea, it's the law. You can't even license your vehicle without it, and if you get caught driving without coverage, you can lose your license, your vehicle and your money in fines. OK, so you have to have insurance, but the question becomes can I find cheap car insurance in California?

The law states that if you live in the Golden state you must carry limits of liability insurance coverage in the amounts of $15,000 personal injury protection, $30,000 total personal injury and $5,000 in property damage coverage. That is the bare minimum.

Optionally, you can add on comprehensive, collision and other coverages as well, but that is your choice and not a requirement by the state.

The key to getting low cost auto insurance in California is to first shop around. Call and get rate quotes from at least 5 different companies. Believe me; the rates will vary between them all. And they may vary by several hundreds of dollars. It truly pays to shop around. And the good news is that you can do this online 24 hours a day.

Next, have a clean driving record. Nothing drives up car insurance premiums faster than a bad driving record. This is true regardless of which state you live in.

Other things that will help you find cheaper costs are multi car discounts for insuring two or more cars with the same company. Taking a defensive driving training course will also reduce premiums. Having safety equipment on your car will also help to get cheap car insurance in California. Car alarms, passive disabling systems and other items can dramatically help.

If you have any teenagers that will drive and they live at home, it may be possible to get a good student discount. Normally, they must carry a 3.0 grade point average to qualify, but you should definitely talk to your agent about it.

Finding cheap auto insurance in California is very possible if you'll simply follow these tips and take a little extra time to find your best deal.