Who runs Secure Lower Rates

The discounts California law requires, the ones companies may offer, and the honest ways to lower a premium — along with the false economies to avoid.

What you will find here

• Discount finder — Answer a few questions to see which discounts California law requires insurers to give you, which ones the rating rules allow companies to offer, and the state program for income-eligible drivers.
• 49 guides on lowering a car insurance premium without losing protection, including The One Discount Written Into California Law, Courses for Older Drivers, and What They Do, The Discounts Nobody Applies For You.
• A free quote prepared by a licensed California agent: start here, or call (619) 363-4466.

Who runs this site

securelowerrates.com is published by Auto World Insurance Services (Yako Enterprises Inc.), a licensed California insurance broker — CA Insurance Broker License #6005606. You can look that license up on the California Department of Insurance website, insurance.ca.gov. Quote requests from this site go to our licensed agents, who compare insurance companies for you. We are a broker, not an insurance company: policies are issued by the insurance companies we place them with.

How these pages are written

• Every legal statement in our tools links to the statute, regulation or DMV page it comes from, and we are adding those sources to our older guides as we review them.
• When something depends on your insurance company, the page says it varies by company instead of guessing.
• We do not publish average or typical rate figures.
• A page's "Updated" month changes only when its content really changes.
• Our free tools run in your browser; nothing you type into a tool is sent to us. (The quote form is how you choose to send us your details.)

Getting a quote

Getting a quote is free, and there is no obligation to buy. If something on this site does not match your situation, a licensed agent can look at your actual policy with you.