Before accepting any auto insurance policy, a driver in California must verify that the agent they are dealing with has a state license. To do this, they must contact the California Department of Insurance. If you don’t take this step and the insurance agent or company you ultimately buy a policy from is not licensed, you may not have any protection when an accident occurs.
Although each insurance company uses a slightly different system for determining rates, there are things you, as a driver, can do to help make sure you get the best auto insurance rates in California, including:
” Insure all the vehicles in your household on one policy. Many people get married and keep their own auto insurance. Many auto insurance companies offer a multi-vehicle discount for households where more than one car is insured. This is also A great way to save money if you have a child or parent who drives and lives with you.
” Raise the standard deductible level. When you request an auto insurance quote, the agent you’re speaking with is likely to offer you a price based on a low deductible. If you increase that deductible, your premium cost will go down.
Ask your employer about group insurance. Many employers offer the benefit of group health insurance to their employees, and some do the same with auto insurance. A group policy can save substantially over the cost of an individual policy. It’s definitely worth asking about this.
Being married can also help you find the best rates on auto insurance. Living in certain areas that are considered low crime also helps reduce insurance costs. The most important thing to remember when shopping for auto insurance in California is to ask about all available discounts and then determine which ones are relevant to your particular situation.
