How to Save Money on Your California Auto Insurance

Auto insurance is a necessary expense for every driver in California, but it doesn’t have to be a financial burden. With help from your agent, you can significantly reduce your auto insurance costs while still maintaining appropriate coverage.

Customize Your Insurance Plan

California drivers must maintain minimum auto liability insurance, which can help cover third-party accident-related injuries and property damage. Beyond this coverage, you can tailor your policy by adding comprehensive, collision, uninsured/underinsured motorist and medical payments coverage.

Not every driver requires the same level of financial protection. You may not need full coverage on an older or lower-value vehicle. Your agent can help assess your situation so you can avoid paying for unnecessary extras.

Another aspect to consider is your deductible. Choosing a higher deductible can reduce your monthly premium, but you’ll pay more out of pocket if you need to file a claim.

Additionally, bundling your auto insurance with other policies, such as homeowners or renters insurance, can lead to discounts from your insurance provider.

Maintain a Clean Driving Record

Your driving record plays a role in determining your auto insurance rates. Insurance companies view drivers with clean records as lower risk, which can result in lower premiums. Maintaining a clean driving record, practicing safe driving habits, adhering to traffic laws and avoiding distractions while on the road are also important. Defensive driving courses can also be beneficial. Some insurers offer discounts to drivers who complete these programs.

Learn More

Contact Goal Auto Insurance Services Inc. for an auto insurance quote. Our team can provide tailored recommendations to help you save money and stay covered.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.