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As most of the states do have, the California state also has its own laws that regulates the minimum coverage requirements related to automobile insurance. However, the recent California Low Cost Automobile Insurance Program (CLCAIP) is allowing eligible drivers to avail low cost San Francisco automobile insurance policies, provided they qualify as per the eligibility criterion. According to Californian state law, a minimum coverage of 15/30/5 is required ($15,000 for bodily injury per person, $30,000 for bodily injury per accident, $5000 for property damage). If you qualify for the low cot program then this ratio changes to 10/20/3 ($10,000 for bodily injury per person, $20,000 for bodily injury per accident, $3000 for property damage).

However, although minimum coverage means lesser amount of premiums, it will not provide you a comprehensive or collision cover. Apart from opting for the CLCAIP program, you can still look for less expensive premium rates with reputed insurance companies. In order to avail discounted rates for San Francisco auto insurance policies there are certain points that you should consider. Nothing can work better than a clean driving record. If you have a habit of defensive driving it can work in your favor. Remember, your premium rates can get doubled if you get a DUI in California. The safety equipments of your auto can also earn you a good discount. Cars with anti-theft alarms, air bags, anti-lock brakes, etc. can earn low cost insurance policies for you.

If you are a student, then you can avail discounted rates by securing good grades and getting a driver’s certificate. Usually, young students are charged high because of their lack of experience and so, you as an not experiencied driver pose a high risk to the insurance companies. Many San Francisco auto insurance companies are ready to give you discount benefits if you have attended a course on defensive driving, which will certify you as a safe driver. Learning how to get an affordable san francisco auto insurance should be a fast but careful process.

To avail free quotation of San Francisco automobile insurance companies, you can browse through the web. You can provide those sites the zip code of the place where you are located to get a list of auto1car insurance companies in that area. It is advisable to compare multiple rates before you buy one. Due to the growing popularity of California, more and more drivers are expected to hit the road every year. This will cause to more expensive insurance rates in areas like San Francisco. Therefore, it is important that you shop around for the best and most affordable deals.