You thought you would save some money every month by letting your California auto insurance lapse. Who will know, you thought. As long as you don’t get into an accident, you don’t really need car insurance, do you? It’s just one of those things you can’t afford and will probably pay for and never use anyway.
This reasoning is faulty and dangerous, considering that car accidents happen every day. You may be a safe driver, but still have an accident because of someone else’s recklessness. Then how will you find the money to repair your car on your own (plus pay huge fines for being uninsured)? Your car could also be damaged by a vandal or by severe weather through no fault of your own.
Finding Cheap Auto Insurance in California
You can find quality, affordable coverage to keep you legal in California. The best way to get a lower rate is to get quotes from several car insurance companies. Be sure to let companies know that you are looking for the lowest possible rate and that you want to take advantage of every possible discount available.
You may get a discount for various aspects of your lifestyle or habits, like good grades, being married, or having years of driving experience under your belt. You may also get a discount for having a safe driving record or taking a driver safety course. These discounts are based on the calculated risks of various activities and circumstances and may vary from company to company, which is why it’s so important to get several quotes.
Often, you can save several hundred dollars a year by using the same insurance company for homeowner’s (or renter’s) insurance and auto insurance, a practice called bundling. Another major money saver is to drop optional coverages like collision/comprehensive coverage on older vehicles. However, keep in mind that without collision and comprehensive coverage, you will have to repair or replace your car on your own if an accident does occur.
An additional way to save money on auto insurance is to carry a higher deductible, which is the amount you have to pay out of pocket before receiving benefits. If you carry a deductible of $1000 or more, your rate will be significantly less than with a lower deductible. Be sure that you can pay the deductible amount in the event that you need to repair or replace the car before switching to a higher deductible.
There are many ways to save money on California auto insurance. With some research and knowing your options, you can find auto coverage that won’t break the bank but will keep you legal and protected as you drive your car. AIS Insurance provides comparison quotes from multiple insurance companies — and at different coverage levels from basic to enhanced — so you can find the best policy for your needs and budget in one fast, simple search. Get an auto insurance quote from AIS today.
The information in this article was obtained from various sources. This content is offered for educational purposes only and does not represent contractual agreements, nor is it intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. The definitions, terms and coverage in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.
