California is the car-culture capital of the world. In most cases, living in the Golden State means owning, maintaining, and insuring a vehicle, so discounts are always welcome. Without further ado, here are four tips for lowering your car insurance rates if you live in California.
As with any other type of insurance, shopping around is one of the most effective ways to keep your auto insurance costs down. Ask people you know, compare rates online, and contact an insurance agent you trust. Armed with all this information, you will be better prepared to make a solid insurance decision.
Choose the Right Amount of Coverage
Just a quick reminder of the minimum auto insurance requirements in California:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
Keep in mind that these are MINIMUM requirements. It’s usually advisable to choose higher limits to get more robust protection. Our insurance agents at RF1 Insurance will be happy to help you make sense of your options so you can choose the alternative that fits your lifestyle and your budget.
Choose a Higher Deductible
Choosing a higher deductible is a sure-fire way to lower your insurance rates, regardless of the type of policy. There are some strings attached, though. Remember that “deductible” is the amount of a covered loss you pay out of pocket. The higher your deductible, the lower your car insurance rates. As you set your deductible, make sure to keep it manageable so you are able to cover the out-of-pocket expenses if you have an accident.
Ask for Other Discounts
In life, sometimes you just have to ask to get what you want. Car insurance is no exception to this rule. As you shop around for insurance, ask what discounts are available. You may be surprised to discover that there are many alternatives to save. For example:
- Customer loyalty
- Anti-theft devices
- Safety features
- Defensive driving courses
- Discounts for paying your policy in full
RF1 Insurance Services: Car Insurance in Southern California
Looking for Car Insurance in the Golden State? RF1 Insurance is your trusted local Safeco agency serving Southern California. Get in touch today: our agents stand ready to meet all your insurance needs.