The 10x Rule: If a car’s value is less than 10 times the annual premium for comprehensive and collision coverage, recommend that the client consider dropping those coverages.
Smart Deductible Increases: Moving from a $500 to a $1,000 deductible can typically save 15-30% on that portion of the premium.
California Low-Cost Auto (CLCA) Program: For income-eligible drivers, the state offers a low-cost alternative. Importantly, the CLCA limits (10/20/3) remained unchanged even after the 2025 hike, making it a vital resource for those on a tight budget.
Telematics & Usage-Based Insurance: Encourage safe drivers to explore programs like “Snapshot” or “Drive Safe & Save.” In 2026, these tools are more accurate at providing discounts based on smooth braking and gentle acceleration.