Auto insurance might add up to your burdens, but it is a necessity for you as a vehicle owner both legally and practically. While there is no way you can stay without auto insurance while owning a vehicle, you can however look at ways to bring down the premium rates and find a low cost auto insurance in California. You need to do some research in the open insurance market either online or offline and work on every single aspect of your policy. In addition, you also need to take advantage of every possibility to find a discount. With these measures, you can hope to find a low cost auto insurance policy in California. While purchasing auto insurance policy, you must first know what kind of insurance you must carry and the reputation of the insurance carrier from whom you buy the plan. This article has step by step guide to finding a low cost auto insurance policy California.

Start working with your car. The pricing of comprehensive and collision coverage will depend on the model, year and make of your vehicle. As per the general rule, the newer the vehicle, the higher are the rates of premiums. If you cannot afford so much on auto insurance, it is advisable buy an inexpensive car.

Understand your limits. Most states in the US set a minimum for liability insurance coverage for physical injury and property damage. Before buying a low cost auto insurance plan in California, browse through the state insurance commissions website to find the coverage minimum. The National Association of Insurance Commissioners states that lenders giving loans to buy user or new cars will require you to carry a particular level of comprehensive and collision coverage.

Avail of the highest possible deductible. Going for a higher deductible will invariably lower your premium rates. However, in this case, if you are responsible for an accident, then you must endure more of the bills before the insurance firm compensates you.

Consider your credit score. Bad credit on account of overdue bills or a personal bankruptcy will let you end up charged high by the insurers. Ensure you pay bills on time and monitor your credit report in order to improve your insurance credit score.

Narrow down your search by working with just three to four insurance firms to ask for quotes. NAICs website will guide you with choosing the right insurance carrier who can give you low cost auto insurance California.

Make use of all discount options you come across while purchasing a plan. There are a multitude of discounts including low rates for drivers with short commutes, students with good grades, retirees, vehicles with safety devices and so on. You can also make use of the group discounts offered to the employees of certain firms and professional associations as applicable in your case.

Check the coverage options you need and those you do not need. Include only those covers you need in the policy. In this way, you can save money by not paying for those covers that you do not really need. Coverage lapse will cost you more even if you are not driving. Therefore, be careful in this regard.

You may also consider some state-run low cost auto insurance programs. If you are a resident of California and your income is closer or less than poverty level, then you are eligible for state-run low-cost or no-cost insurance programs.

Make an annual assessment of your coverage requirements and premium costs and review your policy once in a year. This will include switching over to jobs or driving more or less. Reviewing will also let you know if you are eligible for additional discounts.