{"id":193,"date":"2022-10-21T17:58:49","date_gmt":"2022-10-21T17:58:49","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?page_id=193"},"modified":"2024-01-19T17:10:43","modified_gmt":"2024-01-19T17:10:43","slug":"car-insurance-quotes-online","status":"publish","type":"page","link":"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/","title":{"rendered":"Cheap Car Insurance Quotes in California"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Affordable Auto Insurance in CA<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>There are plenty of things to see and do in the Golden State and you\u2019re going to need a car if you want to experience everything. And having a car means searching for cheap car insurance in California.<\/p>\n<p>While car insurance is easy enough to find, affordable coverage isn\u2019t so easy to find. Finding the cheapest auto coverage means spending time you don\u2019t really have comparing quotes from different insurers.<\/p>\n<p>That\u2019s where Cost-U-Less comes in. Our agents listen to what you want from your policy, plus how much you want to spend and do the research for you. We\u2019ll provide you with a list of options so you can pick the one that best meets your needs and gives you peace of mind on the road.<\/p>\n<p>Let us walk you through everything you need to know to get reliable coverage at the best possible rate!<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance.jpg 1x, https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance@2x.jpg 2x\">\n            <img class=\"sp-no-webp\"  decoding=\"async\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance.jpg\" alt=\"Family out for a drive in their car in California.\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance@2x.jpg 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">How Does Car Insurance in California Work?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Car insurance is a term contract between the policyholder and the insurance company that provides for the insurer to help cover financial losses that happen under <em>a covered event<\/em> in exchange for a financial premium. Auto insurance is required in California.<\/p>\n<p>In exchange for your premium, your policy will provide coverage and payouts. Your policy will also list exclusions.<\/p>\n<p>Let\u2019s talk about a few important things we just mentioned:<\/p>\n<ul>\n<li>Term contract \u2013 A legally binding document that sets forth terms and obligations between signing parties for a specified amount of time.<\/li>\n<li>Policyholder \u2013 The person entitled to covered benefits.<\/li>\n<li>Covered event \u2013 Your policy will help you pay for these things. Keep in mind that if it isn\u2019t listed in the policy, it is not covered.<\/li>\n<li>Premium \u2013 The amount you agree to pay to the insurance company for your coverage.<\/li>\n<li>Coverage \u2013 The list of conditions under which your insurer will pay.<\/li>\n<li>Payout \u2013 The amount of financial compensation you can expect to receive after you make a valid claim.<\/li>\n<li>Exclusions \u2013 Special circumstances that will nullify your policy (contract). This may include things such as driving while intoxicated.<\/li>\n<\/ul>\n<p>On the most basic level, car insurance helps protect you and other drivers on the road. Insurance helps to pay for the damage that we cause to others or that others cause to us as a result of a car accident or other qualifying event. Different kinds of insurance protect you and your vehicle in different kinds of ways.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/terms-definition\/\" class=\"o-component c-icon-callout c-icon-callout--blue\" id=\"product-callout-block_12aaebe0d24fa11bbd6c906da81111e2\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/icon-glossary.svg\" alt=\"Dictionaries on a shelf\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Glossary of Insurance Definitions<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Get explanations for terms relating to insurance<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">How Much Insurance Do I Need?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>You need at least the <span>state-mandated<\/span> amount of liability insurance. In California, the minimum required amount is:<\/p>\n<ul>\n<li>$15,000 bodily injury\/death liability for one person<\/li>\n<li>$30,000 bodily injury\/death liability for more than one person<\/li>\n<li>$5,000 property damage liability<\/li>\n<\/ul>\n<p>This means that in exchange for your premium ($53 per month is the average in California), your insurance company will pay up to the above amounts if you cause a wreck where other people are injured or killed and their property is damage. Your liability insurance will never pay for your own injuries and damages.<\/p>\n<p>Let\u2019s break that down.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Average Cost of Liability Insurance in California<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>The average cost of liability in California is $53 per month. However, not only will you probably never be quoted this amount, you may not want it anyway. Here\u2019s why.<\/p>\n<p>Insurance underwriters (the people who set your premium amount) look at an array of <a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/what-affects-insurance-rates\/\"><strong><em>specific factors to decide your quote<\/em><\/strong><\/a>. In most cases, these factors are never going to be exactly the same from person to person. For example, here are just a few of the factors taken into consideration:<\/p>\n<ul>\n<li>Age \u2013 Young people pay more than mature drivers.<\/li>\n<li>Gender \u2013 Males typically pay more than females.<\/li>\n<li>Marital status \u2013 Married people pay less than singles.<\/li>\n<li>Location \u2013 Right down to your zip code. If you live in an area that has a higher overall claim rate (based on auto crime, congestion), you will pay more.<\/li>\n<li>Type of vehicle \u2013 That expensive sports car will cost more to insure than your <span>run-of-the-mill<\/span>, high safety rating sedan.<\/li>\n<li>Driving history \u2013 Possibly the most important next to age. People who have few to no claims on their record get the best rates.<\/li>\n<\/ul>\n<p>This is why you will probably not be offered a $53 per month premium.<\/p>\n    <\/div>\n    \n\n            <div class=\"o-component s-cms-content\">\n        <h3 style=\"text-align: left\">Liability Insurance<\/h3>\n<p>Basic liability in California will only cover a small portion of the expenses that could result if you cause an accident. You may think you are a great driver and will never be the cause of an accident, but some things are out of your control. For example, what if you hydroplane and hit someone\u2019s brand new Corvette?<\/p>\n<p>Your property damage liability insurance of $5,000 may not be enough to cover the damages to a Corvette. If the repair bill is more than that, you\u2019ll be either paying the remainder out of pocket or getting sued for the <span>remainder \u2013 which<\/span> could put your other assets, for example your home if you own one, at risk.<\/p>\n<p>When you purchase your policy you can ask about increasing those limits up to a more feasible amount.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Average Cost of Full Coverage in California<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>The average cost of full coverage in California is $190 per month. That\u2019s a significant increase over the national average of $147 for full coverage. Full coverage includes liability plus collision and comprehensive.<\/p>\n<p>Those who are financing their automobiles will most likely be required by their lenders to carry this much insurance.<\/p>\n<p>Your total premium will be dependent on what types of insurance you carry, as well as those factors that are specific to you.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance-2.jpg 1x, https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance-2@2x.jpg 2x\">\n            <img class=\"sp-no-webp\"  decoding=\"async\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance-2.jpg\" alt=\"Child in car over sea view on summer roadtrip to the beach.\" srcset=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/img-intern-car-insurance-2@2x.jpg 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">What Types of Car Insurance Are Available?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>There are 10 basic <a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/types-of-car-insurance\/\">types of car insurance<\/a> and, in California, only liability is required.<\/p>\n    <\/div>\n    \n\n<div class=\"c-section__content\" id=\"list-with-icons-block_1bb01026142afe91fae40efdfd1a94d9\">\n    <div class=\"o-component c-icons-list\">\n                    <ul class=\"o-list-bare c-icons-list__list\">\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Liability.svg\" alt=\"Man driving car icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Liability<\/strong>: The required minimum car insurance in California. It helps pay for injuries and damages you cause when an accident (or other covered event) is your fault.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Collision.svg\" alt=\"Two cars colliding icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Collision<\/strong>: Not a requirement by law, although if your car is financed your lender may require it. It helps pay for damages to your vehicle after a wreck regardless of who is at fault.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Comprehensive.svg\" alt=\"Car covered by umbrella icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Comprehensive<\/strong>: Not a requirement by law, although if your car is financed your lender may require it. It helps to pay for damages to your vehicle when you typically are not behind the wheel (hail, fire), as well as if your car is stolen.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Medical-Payments-MedPay.svg\" alt=\"Folder with medical bills and cash icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Medical Payments (MedPay)<\/strong>: Helps pay for the medical bills and other costs for you and your passengers after a covered event.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/underinsured-Motorist-Coverage.svg\" alt=\"Car with approval shield icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Uninsured\/underinsured Motorist Coverage<\/strong>: Helps pay for damages to your vehicle if you are hit by another driver who either does not have insurance or does not have enough to pay for your repairs.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Gap-Insurance.svg\" alt=\"Car with money icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Gap Insurance<\/strong>: This pays for the difference between what you still owe on your automobile and what the depreciated value is in the event of a total loss.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-New-Car-Replacement.svg\" alt=\"Car with replacement sign icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>New Car Replacement<\/strong>: Provides the money to purchase a brand new car of the same make and model regardless of depreciation. Only available for cars under a certain age and mileage.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Rental-Car-Reimbursement.svg\" alt=\"Hand holding car keys icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Rental Car Reimbursement<\/strong>: Helps pay for your rental car while your own vehicle is in the shop for repairs resulting from a covered event.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2023\/03\/icon-Non-Owner-Car-Insurance.svg\" alt=\"Car with rent sign on top icon.\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Non-Owner Car Insurance<\/strong>: Liability insurance for someone who does not own a car, but uses rental cars or borrowed cars often.<\/p>\n                        <\/div>\n                    <\/li>\n                                                        <li class=\"o-list-bare__item c-icons-list__item\">\n                        <img decoding=\"async\" class=\"c-icons-list__icon\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/color-classicCar-icon.svg\" alt=\"Clasic car icon\" aria-hidden=\"true\" width=\"60\" height=\"60\" loading=\"lazy\">\n                        <div class=\"o-component c-icons-list__content s-cms-content\" style=\"margin-top: 0;\">\n                            <p><strong>Classic Car<\/strong>: Specifically for cars of a certain age or type.<\/p>\n                        <\/div>\n                    <\/li>\n                            <\/ul>\n            <\/div>\n<\/div>\n\n            <div class=\"o-component s-cms-content\">\n        <p>The more levels of car insurance you have, the more protection you and your vehicle have against injuries and damage. At the same time, having many types of insurance and high limits (which dictate how much the insurance company will pay out in the event of an accident) can increase your bill.<\/p>\n<p>If you want to get cheap car insurance, you need to find the balance between\u00a0<a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/understanding-auto-insurance-coverage\/\">how much coverage<\/a>\u00a0you need and how much money you are willing to pay each month. That\u2019s where experienced <span>Cost-U-Less<\/span> Insurance agents can help.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Cost-U-Less Insurance Direct Policy Options<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <h3>Minimum Car Insurance Liability Requirements in California<\/h3>\n    <\/div>\n    \n\n<div id=\"general-expandable-table-block_b81e569d6dfd71875b380123431042d6\" class=\"o-component c-simple-table js-simple-table js-expandable-content\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">Scroll for more <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.costulessdirect.com\/wp-content\/themes\/culv2\/assets\/images\/icons\/icons.svg#icon-scroll\"><\/use><\/svg><\/span>\n    <\/div>\n    <div class=\"c-simple-table__content\">\n                    <table class=\"c-simple-table__table\">\n                                    <tr>\n                                                    <th>Minimum Auto Liability Insurance Requirements<\/th>\n                                                    <th>Required Liability Coverage Amounts<\/th>\n                                            <\/tr>\n                                                                                            <tr>\n                                                                        <td>Bodily Injury\/Death and Property Damage<\/td>\n                                                    <td>15\/30\/5<\/td>\n                                            <\/tr>\n                                                <\/table>\n            <\/div>\n    <\/div>\n\n            <div class=\"o-component s-cms-content\">\n        <p>These are the minimum required liability amounts to legally drive in California. This coverage is to help pay for bodily injury\/death and property damage a driver causes to others when they are at-fault in an accident. It doesn\u2019t pay for any injuries or damage suffered by the at-fault driver. Bodily injury\/death liability helps pay for medical bills and associated charges, such as ambulance, up to $15,000 per person and $30,000 for two or more people. Property damage liability helps pay for repairs to vehicles or other items damaged in a wreck, such as fences and mailboxes, up to $5,000.<\/p>\n<p>With today\u2019s costs for medical and automobile repair, California\u2019s low liability requirements may not cover the total amount due. Any injuries and liabilities not paid for by insurance will come out of the at-fault driver\u2019s pocket, including their own. This is why many California drivers choose to increase these amounts, as well as add other coverages, such as collision and comprehensive, for better peace of mind.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.costulessdirect.com\/car-insurance-quotes-online\/car-insurance-faq\/\" class=\"o-component c-icon-callout c-icon-callout--orange\" id=\"product-callout-block_26933b05a647a265202f77e8beaecb24\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/icon-faqs.svg\" alt=\"Telephone with multiple conversations\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Car Insurance FAQs<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<div class=\"c-icon-callout__content\">\n<div class=\"s-cms-content s-cms-content--big\">\n<p>Get answers to common car insurance questions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Can You Get Discounts for Car Insurance in California?<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Yes. Every insurance carrier offers discounts to reward its policyholders. Some discounts are worth more than others. Some of the largest discounts come from having a safe driving record and bundling policies with the same company. Here\u2019s a look at how much you may save on your insurance premium based on the discount.<\/p>\n    <\/div>\n    \n\n<div id=\"general-expandable-table-block_ffeef49813b080d186e25df47156d6b2\" class=\"o-component c-simple-table js-simple-table js-expandable-content\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">Scroll for more <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.costulessdirect.com\/wp-content\/themes\/culv2\/assets\/images\/icons\/icons.svg#icon-scroll\"><\/use><\/svg><\/span>\n    <\/div>\n    <div class=\"c-simple-table__content\">\n                    <table class=\"c-simple-table__table\">\n                                    <tr>\n                                                    <th>Discount<\/th>\n                                                    <th>Eligibility<\/th>\n                                                    <th>Savings on Premium<\/th>\n                                            <\/tr>\n                                                                                            <tr>\n                                                                        <td>Safe Driver\/Accident Free<\/td>\n                                                    <td>A safe driving record with no accidents or citations in the last <span>3-5<\/span> years<\/td>\n                                                    <td>26%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Multi-policy<\/td>\n                                                    <td>Bundling your policies, such as home and auto<\/td>\n                                                    <td>14%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Good Student<\/td>\n                                                    <td>Full-time high school and college students with at least a B (3.0) average<\/td>\n                                                    <td>16%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Military, First Responder, Senior Drivers<\/td>\n                                                    <td>Awarded to special demographics<\/td>\n                                                    <td>15%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Paid-in-full<\/td>\n                                                    <td>Entire premium paid at start of contract<\/td>\n                                                    <td>9%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Customer Loyalty<\/td>\n                                                    <td>Returning customers<\/td>\n                                                    <td>11%<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Low-mileage<\/td>\n                                                    <td>Driving less than a number of miles set by insurer<\/td>\n                                                    <td>5%<\/td>\n                                            <\/tr>\n                                                <\/table>\n            <\/div>\n    <\/div>\n\n            <div class=\"o-component s-cms-content\">\n        <p>By contacting your carrier, you can discover some quick things you can do to lower your bill. And if you\u2019re lucky, you may already qualify for certain discounts and not even know it.<\/p>\n<p>Check in with your agent every year to make sure you are taking advantage of all your available discounts.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">How to Lower Your Auto Insurance Rates in California<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Besides taking advantage of discounts, there are a number of ways you can lower your premium. Here are just a few:<\/p>\n<ul>\n<li>Shop around for cheap car insurance \u2013 Switching carriers is the number one way to lower your premium. Just be sure to compare apples to apples when shopping around. Make sure and read the fine print carefully.<\/li>\n<li>Raise your deductible \u2013 Your deductible is the amount you kick in before your insurance pays a claim. If you can raise it from $500 to $1,000, your insurer will reward you with lower rates. Just be sure you can afford to come up with your amount if necessary.<\/li>\n<li>Drive a car with high safety ratings \u2013 The more expensive it is to repair a car and the more likely it is to be stolen or driven in an unsafe manner, the higher the rate.<\/li>\n<\/ul>\n<p>Keep in mind that the lowest rates go to the safest drivers. If you have a spotty driving record or get convicted of something such as a <a href=\"https:\/\/www.costulessdirect.com\/sr-22-insurance\/dui-california\/\">DUI<\/a>, you\u2019ll need to spend the next few years cleaning that record up in order to get lower rates.<\/p>\n<p>If you need to purchase <a href=\"https:\/\/www.costulessdirect.com\/sr-22-insurance\/\"><span>SR-22<\/span> insurance<\/a> in California, let <span>Cost-U-Less<\/span> help you find insurance that is affordable.<\/p>\n    <\/div>\n    \n\n            <h2 class=\"c-section__title c-section__title--left c-section__title--blue\">Compare Car Insurance Rates<\/h2>\n            <div class=\"o-component s-cms-content\">\n        <p>Now you know that different factors help determine how much you pay for car insurance. One of the most reliable ways to lower your car insurance premium is to\u00a0<strong><u><a href=\"https:\/\/www.costulessdirect.com\/compare-insurance-quotes-online\/\">compare different insurance carriers<\/a><\/u><\/strong>, which is something we specialize in at <span>Cost-U-Less<\/span> Insurance.<\/p>\n<p>If you pay for your insurance one month at a time, you can typically swap insurance carriers whenever you want to. This means you have nothing to lose by \u201cshopping around\u201d and asking different carriers for quotes.<\/p>\n<p>You don\u2019t have to sign any contract or other agreement to get quotes. By getting quotes from several different carriers, you can finally find the cheap yet reliable car insurance you deserve. <span>Cost-U-Less<\/span> will compare multiple carriers, saving California drivers time and money.<\/p>\n    <\/div>\n    \n\n\n<div class=\"c-section\" id=\"get-callout-block_d3a9f3180f8ea55f32d31a86277f5555\">\n        <div class=\"c-get-callout\">\n                            <h2 class=\"c-section__title c-section__title--blue\">Get Cheap Car Insurance Quotes Online in California Today<\/h2>\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\n                    <p>Now you know the most important things about getting affordable car insurance in California and how to lower your bill. But do you know who can provide the\u00a0<span>low-cost<\/span>\u00a0car insurance and great coverage you deserve?<\/p>\n<p>Here at Cost-U-Less, we specialize in offering great coverage at awesome prices. Come get started with a quote\u00a0online, visit us at an\u00a0<strong><u><a href=\"https:\/\/locations.costulessdirect.com\/\">office near you<\/a><\/u><\/strong>, or call us at\u00a0<strong><u><a href=\"tel:800-390-4071\"><span>800-390-4071<\/span><\/a><\/u><\/strong>\u00a0for a quote today!<\/p>\n                    \n                <\/div>\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/11\/icon-quote-online.svg\" alt=\"Computer icon with quote box\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                        <span class=\"c-get-callout__text\">Quote online<\/span>\n                                    <\/button>\n                            <\/li>\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"tel:800-390-4071\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/10\/phone.svg\" alt=\"Hand holding a phone\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Over the phone<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.costulessdirect.com\/\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.costulessdirect.com\/wp-content\/uploads\/2022\/10\/visit.svg\" alt=\"Two hands shaking\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Visit us<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                    <\/ul>\n                                    <\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/193"}],"collection":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/comments?post=193"}],"version-history":[{"count":205,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/193\/revisions"}],"predecessor-version":[{"id":5496,"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/pages\/193\/revisions\/5496"}],"wp:attachment":[{"href":"https:\/\/www.costulessdirect.com\/wp-json\/wp\/v2\/media?parent=193"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}