Did you know that California has some of the highest rates for vehicle insurance in the whole country? And for good reason. There are more cars per person and more vehicles per mile of road network than in any of the other states. Life is almost impossible without having your own vehicle. If you want to find cheap California car insurance than you will need to do a little work to find a deal that suits your requirements. There are a number of different approaches that you could take that would bring you savings of thirty per cent or more. Some of these are obvious while others you may not have thought of.

To start with, think about where you currently park your car. If you can see it through the window out on the street then you have a problem. The cost of your premium would be more than necessary if you always leave the vehicle on the street or even in your driveway. It would be safer to store it in a locked garage where there would be no choice of theft or vandalism.

You may be offered a slight discount on the normal cost of the policy if you arrange to have it paid automatically from your bank account each month as opposed to paying a bill that lands in your mail box. Every little helps.

If you are a man and are married then it may be worthwhile listing your wife as the first driver and yourself as the secondary. In most cases, as long as a woman has an unblemished driving record, they would pay less than a typical man as statistics show that they are safer drivers.

An auto insurance policy is partially calculated by the amount of time spent behind the wheel, therefore the less you drive the less you will have to pay for the cover. Think of ways to reduce your mileage, for example car pooling can dramatically reduce the number of hours spent driving each week.

Raising the deductible would also save you some money. The higher it is the lower the cost of the policy. Just make sure you do not increase it to such a level that you would have problems paying should a claim be made.

Though all of the above tips will bring you some amount of savings form the cost of an average insurance policy the best way to bring about a dramatic drop in price would be to search for quotes online. This is were the real difference would be apparent. An online insurance agent would not have the same overheads as a bricks and mortar business and can therefore offer quotes way below the average price. Also there is intense competition online for customers and so you may find bigger discounts and special offers than what would be available elsewhere.

Searching for cheap California car insurance should not be thought of as a chore. Approach the task with a positive mind and you should be able to find the type of quotes that you are after.

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