Used car owners can save money on their insurance by adjusting the comprehensive and collision coverage deductibles on the auto insurance policy. By increasing your collision deductible you will decrease your overall premium. Keeping your comprehensive deductible low will protect your vehicle from fire, theft, vandalism, windshield cracks/breaks and collision with animals that are outside of your control.
You also want to think about the value of your car when purcahsing a new auto insurance policy. If your vehicle is valued over $2,500 you should think about whether you could afford to repair or replace the vehicle in the event of an accident. If you cant, you need to make sure to add comprehensive and collision coverage. You also want to increase your bodily injury and property damage above the legal California limit to provide adequate protection for your assets. Used car owners as well as new car owners with the minimum amount of car insurance limits often find out the hard way that the damage caused by an accident usually is higher than the state minimum.