Auto insurance quotes in California are not constant and permanent. This is due to the fact that auto insurance rates change and vary over time. The same can be said about a person’s insurance needs, for alterations may occur in his lifestyle, financial status, family circumstances and so on. The competition amongst the different insurance companies is also a factor that contributes to these changes, especially since the internet age brought about a flux of insurance companies that offer the convenience and benefits of free, online quotes.There are countless of sources that stress the need to compare auto insurance quotes in order to get the best appropriate deal. However, the intricacy and care needed to accomplish this are intimidating. Contributory to its negative appeal are the terms, concepts, and rules of the industry that are, more often than not, unfamiliar and vague. To make it even worse, the competitive prices of a variety of auto insurance quotes made available by the different companies in California and all over the U.S. can really confuse and sometimes mislead insurance shoppers into purchasing an unsuitable policy.Here is a guide that can simplify the experience of auto insurance shopping, especially for those who are going to purchase one for the very first time:(1) Know the terms used in auto insurance. As previously mentioned, terms in auto insurance tend to be unfamiliar and vague, hence almost incomprehensible. To avoid misconceptions and misunderstanding, it is essential to be familiar with key terms before comparing quotes and purchasing policies.(2) Know California’s Auto Insurance Requirements (or the requirements of the state wherein the purchase will take place). The minimum requirement for liability and property damage requirements vary per state. In the case of California, the requirements for minimum coverage are $15,000 for Liability Bodily Injury (injury or death to a person), $30,000 Liability Bodily Injury (injury or death to more than one person), and $5,000 for Property Damage Coverage. The limits of the coverage apply per accident only. Once the requirements of the state are clear, the next step would be to review all of the components and coverage of the policies that the different insurance companies would offer. It is important to remember that the above mentioned minimum coverage does not limit the customer from purchasing other coverage for the best possible protection.(3) Review the Collision Coverage. The Collision coverage is what would pay for the repair or replacement of the car in case that there is a collision or an accident. It is important to remember to choose a deductible based on personal price range and needs. A deductible is the amount the customer pays before the insurance company takes care of the remaining sum.(4) Review the Comprehensive Coverage. This protects the customer from automobile damage brought about by vandalism, theft, fire and natural calamities, and not by a collision. A deductible may be chosen for this as well.(5) Review the Medical Payments Coverage, which is for the payment of medical expenses in case someone is bodily injured by the owner’s car during a covered accident.(6) Consider only reputable and legitimate insurance companies or websites.(7) Avail of existing discounts. Discounts can significantly lower auto insurance quotes. Insurance companies have different requirements for their discounts, and it is important to compare and contrast all of them.(8) Consider the payment methods because some companies have unyielding rules, while others have lenient ones. One tip is to choose a policy that offers affordable deductibles.Comparing auto insurance quotes in California need not be taxing, especially since it is something that every car owner needs to do when purchasing auto insurance, a vital protective measure against unpredicted losses and damages. Following this guide will assist in the simplification of the entire ordeal, so that the person who intends to purchase auto insurance can effectively compare quotes and consequentially choose the best policy that addresses his needs.