Finding cheap car insurance in California can be challenging. The state’s insurance rates do rank among some of the highest in the country. But in the last few years it’s become easier to find cheap car insurance in California, thanks to the emergence of new insurance companies as well as the internet as a cheaper medium through which to compare car insurance quotes.

California enjoys the dubious distinction as having the most lawsuits per capita in the country. It also uses a “fault based” system when determining liability in accidents. This means that the driver responsible for an accident will suffer an increase in their premiums. As such, insuring vehicles in California is more expensive.

As a result, a lot of drivers in California simply neglect to get insurance. This creates a bigger risk for everyone else. This is why California created the California Low Cost Automobile Insurance Program, also known as the CLCA. This program is for low income residents and families experiencing financial hardships. It covers the bare minimum state requirements, but does not provide collision coverage.

For drivers looking for cheap car insurance in California who do not qualify for this program, or who want more substantial coverage, there are a few things you can do.

Tips for Finding Cheap Car Insurance in California

Many insurance companies offer discounts and reductions in premiums for drivers with clean driving records. That means few or no accidents or speeding tickets. These discounts can also apply to certain professions like firemen and EMT Techs. Believe it or not, students can sometimes receive a discount if they demonstrate a good scholastic aptitude and grades in school.

Approach your search for cheap car insurance in California like a negotiation. Check out a number of car insurance companies and find out what they have to offer, and don’t be shy about mentioning what one company is offering when talking to another.

The good thing about the current insurance market is that these companies are fiercely competing for your business. Remember that they need your business more than you need yours. If you watch TV you’ve probably noticed that some of the most popular commercials are for car insurance companies. Newer companies often have deals designed to aggressively steal away customers from some of the giants.

Also, some insurance companies give discounts for multiple policies. This can include multiple members of your family, or if you take a car insurance policy and home insurance policy.The key is to explore your options and ask lots of questions, and you should be able to find relatively cheap car insurance in California.