Your first step to getting the cheapest auto insurance in California is to review your current policy. Ensure that it covers everything you need, but note things covered by your current policy that are not needed. Many times people have more comprehensive coverage than they need. This is an easy way to reduce your premium if you are able to assume increased risk.
Once you have an idea of what you have and what you need, compare your options. There are a few important things to consider when searching for a more affordable policy. Start by listing all of your potential discounts. Your life choices and circumstances can result in lowered rates, but you usually need to ask for the discounts from a company. Circumstances that might lower your rate include being a member of a particular organization, having certain safety features on your vehicle, combining coverage with other drivers in your home, being an experience driver, having a high credit score, or falling into the senior citizen age group. Those in low-risk occupations might also receive lower rates. Insurance adjustors collect statistics on people who get into accidents and if you fall into a low-risk category, you might be eligible to pay less due to the trends.
Another way to get the low cost auto insurance in California is to keep your driving record clean and your paperwork up-to-date. Anytime you are involved in an accident your rates can rise, so drive as safely as possible. You will also want to make sure your license and registration are current and that the DMV has any information from you that is needed. Your insurance company and the DMV communicate, so do not assume you can get away with letting anything lapse or go unnoticed.
Finally, choose a vehicle that is considered lower risk. You might have to sacrifice style or speed, but it can save you a bundle. Upgrading certain safety features can also help you save, so choose your car and its options package carefully. Investing a little upfront can save you in the long run. Once you are set with your vehicle, your list of potential discounts, and a spotless driving record, shop around for auto insurance and compare rates. This will ensure you get the cheapest auto insurance in California.