How to Compare Low Cost Auto Insurance in California

Without a doubt, the best way to find low-cost car insurance in California is by comparing prices. Although the process of contacting multiple agents for quotes may seem a bit tedious and time-consuming, it can result in substantial savings. The most important thing to consider when you’re ready to embark on this low-rate quest is what coverage you absolutely need and what coverage is optional.

If you drive an older vehicle, you may want to purchase only the minimum amount of liability insurance required by state law. This adds up to $15,000 for the medical expenses of one injured person, $30,000 for the medical expenses of two or more injured persons, and then an additional $5,000 that would be used to cover the vehicle of the person you hit. Obviously, this coverage won’t cut it if you hit a late model mini van and insult an entire family.

A better approach is to compare low-cost insurance rates for a policy that provides enough coverage so that in the event of a collision, you don’t face bankruptcy. If you have a newer car, you’ll also want to ask about collision and comprehensive coverage. These protect you in case your own vehicle breaks down and needs repair or replacement.

You will need to disclose any prior accidents for which you have been responsible, as well as how many speeding tickets you have accrued while driving. Agents will also ask questions related to his age, the average number of miles he drives each week or month, as well as the type of car he wants to insure.

Ask each agent you contact about the length of the policy they are quoting you for, as well as what payment arrangements they prefer. This will help you determine which company has the lowest rates per six month period or even per year.