California high risk car insurance can set you back a pretty penny. If you don’t know how to save cash on the purchase, you could find yourself paying a whole lot more than “good” drivers do. While there aren’t exactly loopholes in the system, there is a surefire way to get the best possible pricing on high risk auto insurance.
As you shop for California auto insurance, remember the pricing is higher on SR22 insurance for good reason. Thanks to your past driving record, the insurance companies now deem you a risk. They charge you more than good drivers because the odds are higher that you might cost them money in claims.
Although the insurance companies have good cause to charge more, not every company prices their high risk policies through the roof. To get the best break possible as you look around for a car insurance quote California residents can handle, make sure to:
Demand multiple quotes – Do not settle for a single quote on high risk auto insurance. To speed up the process, consider shopping online and using licensed brokers to give you multiple quotes on high risk policies at once. To cut out quotes that might not apply, look for brokers that are licensed in the state of California.
Go easy on your policy requests – Don’t buy more insurance than you really need. Keep your limits and deductibles reasonable and your policy should be a little more affordable.
Compare quotes carefully – Brokers are able to bring back a number of different quotes for you to review. Look at each one closely and consider the reputation of the insurers. The key is to get the best possible policy at the lowest price. Don’t sacrifice quality to save a few bucks.
California high risk car insurance doesn’t necessarily come cheap. You can, however, save yourself money on the deal by shopping around.