Like most states, auto insurance is mandatory for all vehicles operated on California roadways. Those driving without insurance in California can have their vehicle registration suspended, vehicle impounded, and, in the event of an accident, be personally liable for the resulting damages. So, while it might not always be so easy to get a reasonable auto insurance quote in California, it’s vital to have auto insurance.
California is one of the largest states in America, with about 36.5 million people calling it home. Considering just the population, one can imagine that there’s a substantial number of vehicles traversing California roadways. Insurers typically equate dense populations to a higher probability and number of claims, which usually translates to higher premium rates for drivers living in such areas. Even though California auto insurance rates are relatively high, this doesn’t mean that it’s impossible to find cheap California auto insurance.
The following four considerations can help you find the cheapest auto insurance options available in California:
1. Your Mileage
Insurers pay close attention to how many miles a potential client will be driving and may ask for higher premiums from those with high mileages. This is because the probability of a driver having an auto insurance claim goes up with the more miles they drive. Decreasing your mileage can make you more attractive to insurers offering attractive premium rates.
2. Your Credit
It’s also extremely important to maintain a good credit history or improve an existing bad credit history if you want to obtain affordable California auto insurance premiums. A potential client’s crediting rating is one of the key elements that an insurer looks at during their evaluation, and having a bad one can substantially decrease the odds of getting cheap California car insurance.
3. State Liability Requirements In California
You should understand what the state liability requirements are in California before choosing any particular coverage. This information will tell you what the mandatory minimal level of coverage is and help you know what to look for if you’re seeking the lowest level of coverage possible from a California insurance company. The minimum liability requirement for California private passenger vehicles is as follows:
- a minimum of $5,000 for property damage
- a minimum of $15,000 for the death/injury of one individual
- a minimum of $30,000 for the death/injury of more than one individual
4. The Rates Of Various Insurers
The internet has made it a very easy and quick process to compare the various car insurance companies offering California auto insurance. It typically only takes about five minutes to get an online quote. You might consider seeking out companies that specifically specialize in the insurance rates of California and needs of California drivers, as these will typically provide you with the most detailed information on California auto insurance. Comparing what various insurance companies can offer will help you make sure that you’re not only getting the cheapest California auto insurance available to you, but that you’re also getting the best deal for your insurance dollars.
Considering these four elements can help you find cheap California auto insurance and avoid the repercussions of not having coverage because you can’t afford high premiums.