If you’re seriously interested in enjoying cheaper California car insurance, here’s one tip that will help the moment you implement it: Increase your deductible and you will enjoy better rates. The best method is to select the highest deductible that you can afford with a measure of ease. I must stress that you are expected to make this amount available if you ever make a claim. So make it very high but keep it within easy reach. If you’re the very careful type and do have some money you can fall back on, then it might really be a wise move to go for the highest deductible available. If, on the other hand, you know that you are NOT the most careful of drivers and that you find it hard to keep some money aside for emergencies, you might have to think twice before taking this step.