California auto insurance is an essential part of your driving experience. Without proper insurance, you’re at risk whenever you’re on the road. Whether you’re driving a brand new car or an old beater, you need some form of California auto insurance. Insurance is meant to protect you against financial loss if you get into an accident. It’s especially useful if you need to pay medical expenses, which can easily cost tens of thousands of dollars. You’ll always be better off with insurance, even if you never have to use it. Insurance rates differ depending on the type of coverage you have, but many insurance companies offer special discounts for safe drivers. If you haven’t gotten into a serious accident in the past five years, you’ll qualify for a host of discounts.
California Auto Insurance Discounts
Along with standard safe-driver discounts, many people are eligible to receive a host of discounts for other reasons. If you’re a senior citizen, there’s a good chance that you’ll pay a lower premium than someone younger. Teen drivers tend to have the highest rates, but you can get a significant discount if you’re a good student. Honor students have the lowest premiums of anyone in that age group because it’s much less likely that they’ll get into an at-fault collision. There are also a handful of discounts for college students and anyone who spends a significant amount of time away from home.
If you live in a rural area, you’ll have a much lower premium than someone who lives in a city center. While there is still a danger of getting into a serious collision while living in a rural area, there’s a lower chance of striking a pedestrian or cyclist. At-fault collisions with pedestrians can be very costly, and cities can be very difficult to navigate without incident.
When you’re choosing a policy, you should pay careful attention to your deductible. A deductible is the amount of money you have to pay out-of-pocket if you file a claim. If you have a high deductible, there’s a good chance that you’ll have a lower monthly premium. It’s important to keep in mind that you will need to cover the deductible in the event of an accident, so don’t make it more than you can easily afford.
California auto insurance companies offer a range of different policies for every type of vehicle, so it’s important to know what’s covered in the event of an accident. Make sure to do extensive research before committing to an auto-insurance policy.