Finding cheap auto insurance in California may be difficult, but it isn’t impossible.  The US economy has been hit hard, and California’s economy has been hit even harder.  All Californians need to save money and one of the best ways to save money is to find cheap auto insurance.

There are several things Californians can do to find cheap auto insurance.  The most important thing to do is to obtain insurance quotes from multiple carriers.  Shopping for auto insurance is no different than shopping for any other expensive product.  You need to shop around for the best rates.

Insurance companies analyze numerous elements when setting auto insurance rates.  The ultimate factors that set your rates are risk and financial liability.  If you have multiple accidents and speeding tickets on your driving record, and you want to purchase full coverage insurance on a $200,000 sports car, you will not find cheap auto insurance.

One of the ways to reduce your auto insurance rates is to elect for liability only.  Liability insurance pays if you are the cause of an accident, but will not cover your vehicle or medical expenses.  If you are leasing or financing your vehicle you will not qualify for liability only insurance.  Financing companies want to know that their investment is secure so they have a provision that their customers must purchase full auto insurance protection.

Most states have a mandatory minimum auto insurance that must be maintained by all motorists that operate on public highways.  In California the minimum liability insurance is 15-30-5, to learn what that means visit California Minimum Liability Insurance.  Purchasing the minimum liability insurance will help you to achieve cheap auto insurance rates, but it may be wise to purchase an auto insurance policy with more coverage.  California’s minimum liability coverage is very low.  The 30 means that the policy will only pay a total of $30,000 for ALL people hurt or killed in an accident caused by you.  The 5 means that the policy will pay a maximum of $5,000 for property damage.  As you can see, if you only purchase the minimum liability auto insurance you could be on the hook if you cause a serious accident.

Age plays a role in setting auto insurance rates for Californians.  Not only does age play a role for auto insurance rates in California, but also the amount of time you have been driving.  If you have been driving since you were sixteen and are 25 years or older you should not be considered a young driver in California.

The best way to qualify for cheap auto insurance in California is to maintain a clean driving record.  The longer you have been driving with no accidents or speeding tickets the lower your insurance rates will become.  You should receive a discount on your auto insurance rates every year you maintain a clean driving record.  If your current insurance carrier doesn’t extend an annual discount based on a clean driving record you need to shop around for a new auto insurance carrier.

We would like to encourage you to compare auto insurance quotes from multiple carriers.  It is very important to receive your insurance quotes from a reputable site that is not directly affiliated with any one particular insurance company.  Our site provides a quick, simple insurance quote form.  If you fill out the form accurately you will receive auto insurance quotes from multiple carriers within a matter of minutes.  You can speak directly with insurance agents that are licensed to sell auto insurance in California and have all your questions answered directly.