How to Lower Your Car Insurance Premium in California

If your car insurance premium keeps going up, you're not alone. Many California drivers are looking for ways to reduce the cost of auto insurance without giving up coverage they may need.

The good news is that there are several strategies that may help you lower your car insurance premium in California. One of the most important is comparing rates from different insurance companies because rates can vary considerably from one carrier to another.

At eWay Insurance, we help California drivers compare auto insurance options from multiple insurance carriers to find coverage that fits their needs and budget.

Think you're paying too much for car insurance? Call eWay Insurance at (323) 749-5400 for a quote and let us compare your options.

1. Compare Car Insurance Quotes From Multiple Companies

One of the easiest places to start is simply shopping around.

Insurance companies use their own underwriting guidelines and rating methods, which means the price you receive from one carrier may be different from the price offered by another.

That's why staying with the same insurance company year after year without comparing quotes could mean missing other available options.

Instead of requesting quotes from multiple companies yourself, an independent insurance agency can help you compare options from several carriers.

At eWay Insurance, we work with multiple insurance companies, which allows us to shop available options based on your individual situation.

Want to see if you can lower your rate? Call (323) 749-5400 and request an auto insurance quote.

2. Review Your Coverage

Your insurance needs can change over time.

Maybe you purchased your vehicle several years ago and it's now worth considerably less. Perhaps you're carrying optional coverage that no longer makes sense for your situation.

Reviewing your policy with an insurance agent can help you understand exactly what you're paying for.

However, reducing coverage simply to get a cheaper premium isn't always the right solution. You should consider the financial protection you need and any coverage requirements that apply to your vehicle.

For example, if your vehicle is financed or leased, your lender or leasing company may require comprehensive and collision coverage.

The objective isn't necessarily to buy the cheapest policy available. It's to find an appropriate balance between price and protection.

3. Consider Raising Your Deductible

If you carry comprehensive or collision coverage, your deductible can affect how much you pay for insurance.

Choosing a higher deductible may reduce your premium.

For example, if you currently have a relatively low deductible, you can ask your insurance agent to show you how your premium might change with a higher deductible.

Just remember that your deductible is the amount you're generally responsible for paying toward a covered comprehensive or collision loss before that coverage pays.

Don't choose a deductible you wouldn't be comfortable paying after an accident or other covered loss.

4. Ask About Auto Insurance Discounts

Don't assume every discount is automatically being applied to your policy.

Insurance carriers may offer different discounts depending on the company and your eligibility. These could potentially include discounts related to multiple vehicles, qualifying policy combinations, certain driving characteristics, or other carrier-specific programs.

Ask your insurance agent:

“Are there any additional discounts I qualify for?”

It only takes a few minutes to ask, and available discounts could make a difference in your premium.

5. Maintain a Good Driving Record

Your driving history can have a major impact on your auto insurance premium.

Tickets and at-fault accidents may result in higher rates depending on the circumstances and insurance carrier.

Following traffic laws, avoiding speeding tickets, and practicing safe driving can help you maintain a better driving record over time.

But what if you already have tickets or accidents?

You still have options.

Different insurance companies may evaluate driving histories differently, which makes comparing carriers especially important for drivers who don't have a perfect record.

At eWay Insurance, we work with customers with excellent driving records as well as drivers who have tickets, accidents, insurance lapses, or other challenging driving histories.

Call us at (323) 749-5400 and let us check your options.

6. Don't Let Your Car Insurance Lapse

Allowing your auto insurance policy to cancel can create additional problems.

In addition to leaving you without coverage, a lapse in insurance history may affect your future insurance options or rates with certain carriers.

If your policy is becoming too expensive, consider shopping for another policy before your current coverage expires or cancels.

This gives you time to compare alternatives while maintaining continuous coverage.

If your renewal is coming up and the new price is higher than you expected, that's an excellent time to shop around.

7. Review Your Policy Before Every Renewal

Your renewal notice shouldn't automatically go into a drawer.

When you receive it, check the new premium and compare it with what you were previously paying.

If your rate increased significantly, find out why and consider getting additional quotes.

Even if you've been with the same insurance company for years, there is nothing wrong with checking whether another carrier may be a better fit for your current situation.

Your Rate Went Up? Call Us Before You Renew.

If you recently received a higher renewal premium, call eWay Insurance at (323) 749-5400.

Give us an opportunity to compare available options before you renew your current policy.

8. Compare Rates When Your Situation Changes

Certain life and vehicle changes are also good opportunities to review your insurance.

For example, consider requesting new quotes when you:

• Buy or replace a vehicle
• Add or remove a driver
• Move
• Experience a major change in how much you drive
• Pay off a vehicle
• Add another vehicle to your household
• Approach your policy renewal

Your old insurance policy may not always be the best fit for your new circumstances.

Can You Lower Your Car Insurance After a Ticket or Accident?

It depends on your individual circumstances, but shopping around may help you understand your available options.

A ticket or accident doesn't necessarily affect every insurance carrier in exactly the same way.

Rather than assuming your current premium is the best you can get, compare quotes.

eWay Insurance works with multiple carriers and can help drivers with different driving histories explore available coverage.

What If You Have a Suspended License or Need an SR-22?

Drivers with more complicated situations may have fewer insurance options, but that makes working with an agency familiar with these cases even more important.

eWay Insurance can help customers explore available auto insurance options involving situations such as:

• Suspended licenses
• SR-22 filings
• Tickets
• Accidents
• Lapses in insurance
• Difficult driving records

If you're having trouble finding insurance because of your driving history or license status, speak with one of our agents.

Call eWay Insurance at (323) 749-5400.

Why Compare Car Insurance With eWay Insurance?

eWay Insurance is an independent California insurance agency.

Instead of representing only one insurance company, we work with multiple insurance carriers. This allows our agents to compare available options and help customers find coverage based on their individual circumstances.

We help California drivers with a wide variety of insurance needs — from drivers with excellent records who simply want a competitive rate to customers with tickets, accidents, suspended licenses, or SR-22 requirements.

And because insurance can be confusing, you can speak directly with an agent who can help explain your options.

Looking for Lower-Cost Car Insurance in Los Angeles?

If you're searching for affordable car insurance in Los Angeles, East Los Angeles, or elsewhere in California, eWay Insurance can help you compare available options.

Our East Los Angeles insurance office serves local customers, and we can also assist drivers throughout California.

You don't have to wait until your current policy expires to compare rates.

If your insurance has become too expensive, you can start shopping before your next renewal.

Start by Comparing Your Car Insurance Rate

There isn't one insurance company that's cheapest for every California driver.

Your rate depends on your individual circumstances, vehicle, driving history, coverage selections, and the insurance carrier.

That's why one of the smartest steps you can take is simply to compare your current premium with other available options.

Are You Paying Too Much for Car Insurance?

Before paying your next renewal, find out whether another option is available.

Call eWay Insurance today at (323) 749-5400 for an auto insurance quote.

Tell us what you're currently paying and let our agents help you compare available insurance options.

Prefer to start online? Visit eWayInsurance.com to request a quote.

Compare your options today — a phone call could help you find a policy that better fits your budget.

Insurance rates, discounts, eligibility, coverage availability, and underwriting requirements vary by insurance company and individual circumstances. Coverage is subject to the terms, conditions, limitations, and exclusions of the applicable policy.