If you’re looking for California auto insurance quotes, you’re probably going to be flooded with offers. In one way, that’s good. The more California auto insurance quotes you receive, the more likely it will be that you find the lowest price with the best service. A problem arises if the quotes don’t match each other. Without apples to apples comparisons, you really can’t make smart decisions about the quotes you do receive. It pays to know the different ways you can qualify for discounts on any California auto policies before you shop, so you can determine which offers you receive are really the lowest. Here’s a short list of the most common ways to save money:
Good Driver Discount Law
Many insurance companies offer safe driver discounts. These vary from state to state and from company to company. California is one of the few states that have a mandatory good driver discount written right into law. When shopping for California auto insurance quotes, remember that you’ll be eligible for a 20 percent discount on your policy if you meet certain eligibility requirements. You can find out if you qualify for the discount by visiting the California Department of Motor Vehicles website for details. If you’ve been driving for more than three years without an accident or citation, it’s likely you qualify.
Low Income Driver Program
Automobile insurance in California can be expensive. In order to make it easier for a cash-strapped consumer to afford insurance, California has a program in place that offers discounts to low-income drivers. In order to qualify, a single person needs to have an income of under $28,725. A family of four with an income under $58,875 can also qualify. The discount you receive and other aspects of your eligibility depend upon the county where you reside. You can check with the California Department of Insurance for more details before you shop for California auto insurance quotes.
Bad Driving Record
If you’re having trouble getting California auto insurance quotes because of a poor driving history, you can get help. California operates an automobile assigned risk plan, called CAARP. If you’re being shut out of the traditional car insurance market because of too many citations or accidents, CAARP offers Californians a way to enter an assigned risk pool. Insurers that sell regular car insurance policies in the state are required to underwrite a certain amount of policies from the pool of drivers with bad driving records. The rates are generally higher than anything you’ll find on the open market, but as long as you make your premium payments, your policy will stay in force. If you improve your driving history while participating in CAARP, eventually you’ll be able to look for California auto insurance quotes for regular policies and save money.