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How to Save Money with California Auto Insurance

Today with a few tips anyone can save a few dollars on their California auto insurance coverage. Saving money on coverage is not difficult if you understand the types of coverage available and shop around for quotes. Today’s insurance market is highly competitive with companies offering many different levels of products. Requesting quotes from California auto insurance companies will consume a bit of time but it will be worth the trouble if it helps you to save a ton of money in the end.

What Coverages are Available

Liability Coverage: States require that all drivers carry a specific amount of liability coverage, it is not optional. Liability insurance is the coverage that pays for medical expenses resulting from an accident. The required amount of California auto insurance liability coverage is 25,000/50,000/10,000. Liability coverage also pays for attorneys, courts and legal expenses. Damage caused to others and property is paid from this coverage as well.

Medical Coverage: If driver is involved in an auto accident it can result in hundreds of thousands of dollars in medical expenses. This coverage pays for their medical expenses regardless if they were at fault during the accident or not. California auto insurance medical coverage pays those expenses related to the care needed due to an auto accident.

Comprehensive and Collision Coverage: Comprehensive coverage will have your auto repaired if it is damage by some event other then an accident with another vehicle. Collision on the other hand is the coverage which pays to repair your auto if it is involved in an accident with another vehicle. If the car is financed both comp and collision will be made mandatory by the finance company.

How to Save on California Auto Insurance Purchase

Check for Overlapping Coverage: Before signing on the dotted line and purchase California auto insurance coverage check your other policies to see if coverage might be overlapping. As an example if you already have a comprehensive medical insurance plan then only purchase the required medical expense coverage needed and pocket the savings.

Pay Premium Annually or Semi-Annually: Many companies will give you a 10-15% discount if you pay your annual or semi-annual premium in one payment. This saves them administration costs to manage the policy and they pass the savings on to you.

Take a Defensive Driving Course: Spending an afternoon to update your defensive driving skills can equate to a savings on your insurance bill. Some companies will pass along an additional 10% savings to you.

Shop Around and Compare Prices: With the number of California auto insurance companies doing business on the Internet, comparing prices has never been easier. Companies are competitive and shopping around for price quotes can save a lot of money on your next policy.

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