California Car Insurance

The basis for California car insurance prices is simple. The more risk you are to the insurance company, the higher the price they charge you. A person who drives 20,000 miles a year is at greater risk for an accident than a person who only drives 10,000 miles. And so, many insurers will give you a discount if you drive less than 10,000 miles per year.

A common reason for high California car insurance rates is the type of car you drive. If you drive a car model that is stolen more than the average, then your premium is also going to above average. To reduce what you pay, you need to lower your risk for theft. Installing anti-theft devices and parking in secure areas can help reduce your premium.

Besides getting discounts, an easy way to reduce your California car insurance, is to simply get only what you need. If you currently have a medical plan, it likely pays for your expenses due to injuries from an car accident. So the medical coverage in an auto policy would just duplicate your existing protection and can therefore be eliminated. You may want to keep a small amount of the coverage however, since it also will pay for your passengers' medical treatment for accident injuries.