Are you looking for cheap California car insurance? Well, the key to finding the cheapest car insurance in California is to take advantage of the discounts. Buy only the amount of coverage that you need, and it’s a good idea to consistently shop around for quotes from many different insurance companies at least once every 6 months. After all, California car insurance rates often change and its down to you to spend a few minutes doing some research so that you can find a cheap California car insurance policy for yourself!

California is one of the largest states in the U.S. with an estimated 36,457,549 people, and experts predict that it will keep growing. With so many people living in the state, we can only assume that many more drivers will be entering the Western area of the United States, which means more vehicles will be on the roads of California in years to come. Because of this it is no surprise that insurance rates in California are getting very very expensive, especially in cities like Los Angeles, San Francisco and San Diego.

Before deciding on the type of coverage for your car insurance it is very important that the requirements of the state (or state minimum) for California are understood. This allows you to see the least amount of coverage that you can select from a particular car insurance company, thus it will give you the cheapest rate possible.

The state of California says that a person is accountable for their actions when it comes to driving a motor vehicle and that a person must understand the risks that go with being behind the wheel of a car.

The statutory limits for car Insurance in the state of California are 15/30/5. This means that any person driving a car in the roads of this state has to have a minimum of Bodily Injury of 15,000 for death of injury of any one person, Bodily Injury or 30,000 for all persons in one accident and Property Damage of $5,000 per accident. This is clear as California law is trying to prevent legal arbitrations toward any driver when is comes to automobile accidents.

In addition to the minimum level of coverage that the state enforces, there are many other things a driver must take into consideration if they want a cheap California auto insurance policy. One of them is to try and get a high deductible; however it must be a deductible that is affordable in case something goes wrong.

If you own a fairly old car and have finished making payments on the vehicle, you should be ok with a minimum coverage and a high deductible (the cheapest car insurance policy), however if you want to be protected and have a less out of pocket cost in case something happens, try a low deductible. The most common deductible is $500 because it’s not to low or too high at the same time, but people could even go as far as having a $1000 deductible which would decrease their rates dramatically.

Another thing that can help your rate is if you have a clean driving record. The state of California is a busy one, especially when it comes to traffic. Insurance companies will lower your rate if you are a good driver. If you get a DUI in the state, you can expect to pay more than double what you normally would for your insurance.

Vehicle equipment can also make a difference to your quote. Insurance companies will offer discounts if your car has safety features such as air bags, anti-theft alarms, anti-lock brakes and any others. Theft is a high risk that insurance companies base their rates on, so if you try to prevent it with these features, your rate will be much lower.

Last but not least, if you go and attend a defensive drivers course, most California Auto Insurance Companies will be able to give you a huge discount simply because you learned techniques that will help you become a better driver.