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Every Californian wants to find cheap car insurance ; however, the tough part of living in California is that rates are generally higher due to the high traffic; therefore, it takes a bit of effort to find cheap prices. CA is known to have one of the highest premiums in the USA

Here is how to find cheap California car insurance rates:

First of all, it is vital that you compare quotes of many different companies. By limiting yourself to one or few companies, you decrease your chances of finding a cheaper rate. The way to find cheaper California auto insurance is by simply playing the numbers game until you find ones you can afford. The reality is that prices vary widely within insurers and each driver has to do a bit of homework. So should you go company to company for a quote comparison? NO!

Internet makes comparing quotes really easy. OnlineAutoInsurance.com allows visitors to complete a fast questionnaire to instantly get back numerous quotes from top companies. Contrary to getting quotes one-by-one, this way you don't have to repeatedly answer the same questions of fill out repeated forms.

Pointers to keep in mind while shopping for CA insurance:

If you want your car to be legal in California, it has to be insured. But the law states that you only require liability insurance. This is the coverage that pays for the bills of other person involved in an accident, if the fault was yours. It also provides money for the medical bills of the passengers of that car and helps compensate for pain, suffering and damage. The minimum liability coverage to have in California is $15,000 for injuries of a single person, $30,000 as a combination for injuries of all people involved and $5,000 to cover the vehicle damages incurred.

There are some other coverage that you can take to further increase the limit of your policy. A collision policy pays for the repairs of your car, even if the fault was yours. This is better in case you have a new and expensive car. Money can be saved if you can increase the deductible you pay. A personal injury protection insurance policy is done to claim money for the medical bills for you as well as other passengers in your car. If you have a health policy then it may be better to not have automobile "medical" covered. An uninsured policy makes sure you get all the money you have to pay if you are involved in a hit and run case or if the insurance policy of the other driver is unable to meet your expenses. Many people drive without having insurance so it is always better to have this kind of a policy.

Courtesy of: Online Auto Insurance