Compare quotes from multiple insurance companies. This is the most important step in finding the best rate. Get quotes from at least three different companies to compare prices and coverage options. You can do this online, through a car insurance broker, or by calling each company directly.
Look for discounts. Many insurance companies offer discounts for things like paying your premium in full, having a clean driving record, taking a defensive driving course, or installing certain safety features in your car. Be sure to ask about any discounts that you may be eligible for.
Increase your deductible. The deductible is the amount of money that you have to pay out of pocket before your insurance coverage kicks in. Increasing your deductible can lower your monthly premium, but it also means that you will have to pay more if you need to file a claim.
Consider a usage-based insurance policy. Some insurance companies offer usage-based insurance policies, which track your driving habits and charge you a premium based on how much you drive and how safely you drive. If you don't drive very much or you're a cautious driver, a usage-based policy could save you money.
Consider buying your car insurance through a group plan. If you're a member of a group like AARP, AAA, or your employer, you may be able to get a discount on car insurance through the group's insurance plan.
Also, here are some cheap auto insurance companies in California you might want to take a look at:
Mercury Insurance
Erie Insurance
Travelers
Auto Owners Insurance
National General Insurance
