If you plan on driving in the state of California, you must have car insurance before you take to the streets. Every state has a different set of rules and regulations you must adhere to and a minimum amount of coverage that must be met in order to be considered legal.
You have your choice of any number of car insurance companies that are locally operated and you can even purchase car insurance online on a website. But not all insurance companies are created equal so there are some things you may want to consider when you are looking for California car insurance.
Some insurance companies use your credit score to determine your car insurance rates. Not every company does but you may want to ask in advance, especially if your credit is less than stellar. Make sure you ask the insurance agent exactly what information they do use to determine your premium. You may be surprised that your occupation, your age, and even where you live are added into the mix when figuring out how much you will pay for your car insurance.
Once you do get your insurance don’t think by opting into an automatic renewal that you will be saving money. Make sure you update your information regularly because as your circumstances change, so will your car insurance rates. If you drive less, have moved into a different neighborhood, or have added a security system to your current vehicle, you may be entitled to a lower rate.
There are many other ways that you can save on your car insurance rates. Make sure to ask your agent about all of the discounts they offer. You never know which ones you may qualify for. Many companies offer safe driver discounts, a discount for taking a defensive driving class, and a discount for military personnel. You can also save money if you pay your entire car insurance premium for the year all at one time.
The one thing that will damage your future car insurance rates in the future is if you let your current insurance policy lapse without having other insurance set up. Whenever you have a lapse of insurance your rates will go up unless you can prove that there was a policy in place at the time.
Don’t just settle for the cookie cutter car insurance policy. Ask questions to get the lowest rates.