There are many ways you can keep your premiums low when you have car insurance in California. If you are a student, you can get good grades. A more mature driver can take a defensive driving class. People who do not drive often can look for a pay as you go policy. There are many options for people who are looking for cheap but reliable car insurance in California.

Unfortunately, however, there are times when you may not be able to avoid an increase in your premium rates. If you have been involved in any kind of accident in a certain time period in the past (as determined by your policy), your rates may increase if you get in a fender bender today that is not even your fault. The frequency of incidents makes you assume more risk in the eyes of companies that provide car insurance in California, no matter what other variable factors may be.

One proven way to keep your premiums low is to always drive safely. Never speed, run red lights, tailgate, drive too slow, drive when intoxicated or under the influence of medication, or drive when sleepy or otherwise emotionally agitated. People with clean driving records get the best rates on car insurance because they are seen as less of a risk.

The chief benefit of safe driving, of course, is that you are less likely to be hurt in a car accident, or to hurt others, but being able to pay less for car insurance in California is a nice added value.

Get INSTANT, free quotes on car insurance in California. CHEAP Insurance offers personal auto, commercial, trailer, cycle, watercraft, home, and renter policies. With access to hundreds of Insurance Companies, we can find the right insurance to fit your budget. Make your insurance purchase online at, send an e-mail inquiry to [email protected] or over the phone toll-free at 800.486.1866.