The cheapest auto insurance rates in California are available for the most experienced drivers with the cleanest driving records. If you are over the age of 25 and you have no traffic citations, insurance companies consider you low-risk. This entitles you to the lowest rates available. Keep in mind your premiums can change if you are involved in a collision. Do not assume that once you reach 25 years of age your insurance rates will remain low. Rates might even increase later in life as you grow older. Of course, rates can also continue to go down if you maintain a loyal relationship with your current insurance provider and keep your driving record clean.
Drivers who share their policies with other people are entitled to the cheapest auto insurance in California. There are a number of things that can discount your auto insurance policy and having more than one responsible driver on the policy is one of them. If you and your spouse or other family members are all experienced, qualified drivers, share the same policy to save money. If you are living with a younger, inexperienced driver, your eligibility for a lower rate can help them lower their insurance costs.
Finally, the type of coverage you choose leads to a lower rate. For the cheapest auto insurance in California, choose a basic policy with only minimum coverage. If you drive an older model car or a car equipped with the best safety features, you can opt for coverage that is priced lower than high-end coverage for newer, more expensive vehicles. Drivers who choose vehicles for practical reasons typically save more money than those who prefer luxury cars.
If you would like to know more about finding the cheapest auto insurance in California, we can help. Our free search feature makes it easy to browse auto insurance rates and find the policy that is best for you. Most drivers have a number of considerations when shopping for auto insurance. For many, the cost of the premium is at the top of the list. Our search feature can help you narrow down the best coverage for the most affordable price and find a policy that is perfect for you and your family.