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Affordable Car Insurance Options in California

finding affordable auto insurance

While it is required by law that all drivers have auto insurance in the state of California, finding the right plan to fit your budget is still a challenge. There are many options and add-ons depending on how much coverage you need and what you want to be covered for. Going through your options in detail with an auto insurance expert can help you find the best plan to get the most insurance coverage for your budget. Here are a few options to get more affordable auto insurance if you are on a tighter budget.

Ways to Get More Affordable Auto Insurance Plans

Higher Deductible
When you have a much higher deductible on your auto insurance policy, this can help lower the cost of your insurance rates. Check with your provider to see what cost savings you get per deducible increase to make sure you are comfortable with the costs.

Minimum Insurance
There is the option to start with the minimum auto insurance needed in the state of California. This is typically not a good long-term solution for most drivers as it provides very little coverage.

Basic Add-ons Only
Simple collision or comprehensive coverage can cover a lot of situations if you are in an accident. Discuss other add-ons like roadside assistance and the costs with a local auto insurance expert to see if it makes sense for your budget. You don’t necessarily need as many add-ons to your insurance as possible, find the ones that make sense for your budget.

Ask About Discounts
Most auto insurance providers in California will offer policy discounts. These typically involve multi-policy discounts, safe driving with a good driving record, paying in advance, insuring multiple cars, or discounts through your employer. There are a lot of possibilities, it is best to simply ask the insurance company what discounts you may qualify for.

Research Many Insurance Providers
While there are many large auto insurance providers, you may be able to find a great plan at a better rate from one of the smaller insurance providers or a local insurance company. Make sure to shop around with plenty of insurance companies so you can find the best rate.

If you have further questions about getting a better rate on your auto insurance plan, one of our insurance experts would be happy to discuss options with you. Call us today at 877-945-7233.