California insurance companies offer affordable auto insurance policies for drivers working in certain occupations, good drivers, students and senior citizens. The best way to get low price insurance is shopping for insurance companies offering discount insurance. If a driver has more than one kind of insurance policy with the same company, he can receive discounts for all those policies. It is possible to reduce the premium amount by raising the deductible. Keeping anti-theft devices and the mileage of the vehicle within certain limits will receive some discount as well.

What are the main criteria to be considered for choosing an insurance company?

Insurance price is the most important factor to be considered when choosing an insurance company. A reputed insurance company having credit for handling auto claims fairly and quickly, with a financial stability rated A+ or higher will be ideal.

What are the situations in which one can review his insurance coverage?

There are no strict limitations to review California auto insurance. You can review the coverage whenever you face life change situations such as marriage, divorce, or buying a new car. A twice-yearly review of coverage is also possible.

What are the minimum levels of auto insurance that a driver must have?

According to California auto insurance law, a driver requires a minimum policy of $15,000 bodily injury coverage per person, $30,000 coverage for all bodily injured people, and $5,000 property damage coverage for a single accident. There is no need to carry uninsured motorist coverage in California.

Is it possible to pay the annual premium all at once?

It is not possible to pay premium at once, but one can choose a good payment schedule. Companies offer a range of payment plans, including annual, semi annual, quarterly and monthly payments.

When does a driver pay the deductible?

Normally, a driver or owner pays the deductible directly to the repair facility when the vehicle's repair work is completed.