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How to Save Money on Car Insurance in California

It’s no secret that living in California can be expensive. The cost of living in some areas is not for the faint of heart. But there are ways to cut costs without cutting out the service. For example, you may not realize that you could be saving a lot of money on your car insurance. Try some of these tips to see how much money you can save on car insurance in California.

Call Around to Get Quotes

Car insurance policy prices can change dramatically from one zip code to another. Car insurance companies measure risk factors differently, and that can impact the final cost of a policy. The most important tip to save money is to compare car insurance quotes. For instance, some areas of Long Beach only offer street parking in some residential areas. Car insurance companies rate the risk of accident, theft, and vandalism for street-parked cars differently. But that difference can mean hundreds or thousands of dollars a year.

Is Full Coverage the Right Coverage?

Sometimes it is, but not always. If you have a brand-new car, full comprehensive coverage is probably a good idea in California. California has more registered drivers — 27 million as of 2019 — and that’s a lot of people on the road each day. If you frequently drive in high-traffic areas, you want more than the state’s minimum coverage, which is pretty low compared to minimum requirements in other states.

However, if your car is more than a few years old, you don’t want to pay for coverage that costs more than the car is worth. In that case, it would be better to set that money aside in a savings account. If you do have an accident, you can then choose to either repair your older car or replace it if the repairs are too extensive.

Customer Service Can Save

After you have called around to get car insurance quotes, it’s important to consider other factors like customer service ratings. Great customer service can save you more money than you think. Let’s say you get into a bad accident. This is where your car insurance company steps in to deal with the other driver’s insurance and to begin the process of repairing your car.

Excellent customer service can save you time and effort, meaning less missed work and less stress. When superior customer service coincides with great pricing, that’s a win-win. GEICO has received high ratings in both policy pricing and customer service, so it’s a popular choice for many Californians.

Don’t Forget About Discounts

Whether you change your car insurance or not, it’s smart to ask about discounts and savings your current car insurance offers. Even if you’ve had a policy with a company for years, a regular check-in can save you some money. Companies offering car insurance in California extend discounts for a good driving record, new car discounts, safety features discounts, and more. You might not have qualified for a good driver discount, but this year a pesky ticket finally fell off your record. Or, you bought a new car with extra safety features. Always ask an agent to review your policy. You could be missing out on a lot of savings.

Where Size Matters

First, the size of your car matters. Bigger SUVs and luxury vehicles will cost more to insure. If you can downgrade the size of your car without losing the features you like, you’ll probably see your car insurance go down also. Next, consider the size of your car insurance deductible. If you have a good driving record, you might prefer a higher deductible. This will significantly lower your monthly policy payments. If you worry about paying the deductible, then sock the money you would have paid into the policy into a savings account instead.

Using Your Money Wisely

If you haven’t looked at your car insurance options in a while, or if you are looking to trim your expenses without trimming important coverage, it might be time to review it. By setting a little extra time aside, you can reduce your car insurance costs while keeping the coverage you need. Driving in California is tough enough without also worrying about paying too much on car insurance. Make reviewing your policy a regular habit.

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