Garden Grove is one of the biggest cities in Northern California, and it's an undeniably beautiful place to live. The city boasts some 174,000 residents according to statistics from the United States census. As State Route 22 runs through Garden Grove, there's significant traffic in the city, which results in a bustling economy. However, it also results in sometimes high Garden Grove auto insurance quotes, much to the chagrin of the drivers in the city. By understanding a few of the factors that affect rates, many drivers can lower the costs of their policies.
As mentioned above, traffic is a serious consideration for insurance companies, who often consider congestion an indicator of a high number of claims. This isn't a ridiculous assertion; areas with lots of cars often have more accidents, which logically makes sense. Unfortunately, this can drive up the cost of Garden Grove car insurance quotes. Drivers can combat this in a number of ways, such as by asking their insurance companies about discounts. Most insurance companies offer low mileage discounts that can be beneficial to drivers who use public transportation regularly. Also, safer vehicles are often discounted, and installing safety features on an existing vehicle can yield similar drops in premiums.
Some drivers decide to lower their coverage levels. This lowers Garden Grove car insurance premiums, of course, but it can also put a driver at significant risk, depending on exactly how low the policy holder decides to drop coverage. The state minimum requirements for insurance in the state of California are 15/30/5, meaning $15,000 in maximum bodily injury liability for up to $30,000 per accident and $5,000 in property damage liability. These are fairly low levels when compared to the potential costs of an accident. Drivers put themselves at serious risk by driving with low amounts of insurance. A better alternative may be to raise your deductible, but again, don't raise it so high that an accident will be completely financially devastating. Try to take a balanced approach, or your policy won't be worth too much.
All drivers should review their insurance policies every few months, as this is the best way to avoid overpaying. Observe any changes in your policy, and then look online for other car insurance quotes for your vehicle. Try using our online tool to generate several quotes--by using your zip code, it can find accurate premium estimations from major insurance companies. It's a great way to find out whether you've been paying too much, and it can help you plan ways to negotiate with insurers and find a less expensive policy with great coverage.