How to Get Cheap California Tow Truck Insurance

California requires liability insurance to operate a motor vehicle. This does not include towing options if your car breaks down. Cheap California tow truck insurance is available, but learning how to find this type of insurance can be tricky if you are not looking in the right place.

• Contact local insurance companies, and inquire about tow truck only insurance. Some of the smaller local companies offer tow truck only insurance at a low rate. Be sure to check the policy before to be sure an adequate number of miles are included with each towing package.


• Check with the national insurance companies. Some of these insurance companies offer great rates on basic tow truck insurance. Some of these even include locksmith services if an individual locks their keys in their car. 


• Shop around for the cheapest rates that will cover the amount of tows or the amount of miles that you require. Some insurance companies offer tier plans that begin at one tow a year for 25 miles. These tier plans can be great for those who don't need an unlimited number of tows, but rather just the basic tow insurance.


• Research the level of California tow insurance that is on your current insurance policy, provided that you have current insurance. Be sure to choose a rate that is lower than what you are currently paying.


• Verify the amount covered and the amount of the premium by asking for the insurance quote in writing. Any quotes received over the phone or verbally are not as good as those that are in writing.


• Use written quotes from other insurance companies to shop around. Some insurance companies will either match or lower their rates in order to match or beat the price of an insurance competitor. This can be a great way to receive the cheapest rate on California tow truck insurance.