How to Improve Your Chances of Getting CA Auto Insurance

In order to legally drive a vehicle, you will need to get auto insurance policy that meets the minimum requirements of California law, which is 15/30/5.  The $15,000 is how much money will be paid per person.  The $30,000 will be paid per accident. The insurance company will pay $5,000 for property damage. If you are high-risk, you will want to work to improve your chances of obtaining insurance.

• Know your credit score and improve it if necessary.  Auto insurance companies in California base many of the auto insurance rates on your credit score.  A good credit score can reduce insurance rates; whereas, poor credit scores will increase insurance rates.


• Purchase a vehicle that has safety devices.  If your vehicle lacks some of the more important safety features, you should have them installed.  California insurance companies want to insure safe vehicles because they prevent claims.  Safety features include a GPS system, automatic locks and car alarms.


• Maintain a good driving record.  California residents who do not have any tickets or accidents within the last three years have a better chance of getting auto insurance than residents with a poor driving record.  Residents with a good driving record will also be eligible for lower rates.


• Consider carrying a higher deductible on your policy.  Many insurance companies are more willing to insure your vehicle if you are willing to increase the amount of money you are willing to pay in case of an accident.


• Talk to your current insurance company about adding automobile insurance to the current home, health or life insurance that you already have.  Most companies are willing to insure another line of business once you already have an established account with the company.