What is the Cheapest Car Insurance in California

Getting the cheapest car insurance in California is something you need to do. While state law only requires 15/30/5, rates still tend to be expensive, especially if you want to increase your coverage. If you cannot afford even the cheapest auto insurance in CA you may be able to obtain assistance through the California Low Cost Automobile Insurance Program.You can avoid buying auto insurance in California as long as you can provide financial responsibility. In California, you need to be covered by liability insurance, or you can pay a $35,000 cash deposit with the California Department of Motor Vehicles (DMV), or you can obtain a $35,000 surety bond from a California licensed insurance company. Owners who have 25 or more vehicles in a fleet can get a self-insurance certificate that is issued by the DMV.Since it is difficult for many people to fund $35,000 up front, the cheaper route is usually car insurance. California premiums can vary from one insurance company to the next because of its premium rating law. This law lets each insurance company take its personal losses and expenses in consideration when calculating its rate, so two insurance companies in the very same area can charge very different premiums. Therefore, it is imperative to shop around.If you shop for all the best rates and still can't afford the cheapest car insurance in CA, you may be eligible to qualify for the State of California's Low Cost Auto Insurance Program (CLCA). Low income drivers with a good driving record may be able to receive insurance through this program which provides 10/20/3 coverage and satisfies the financial responsibility law.