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California is known for being larger than life, and the state’s auto insurance premiums are no exception. With a statewide average premium of $1,962, the Golden State is among the most expensive places to insure your vehicle. However, you shouldn’t fret. With some thoughtful shopping, you can save yourself a pretty penny in no time.

When shopping for your policy, it’s key to remember that every little factor imaginable (and even some that aren’t immediately imaginable) has an effect on the way a quote is calculated. Everything from your ZIP code to your age and your credit score can seriously alter the quote you receive, making it paramount to do some thoughtful shopping of your own. In the end, you’ll be much happier for having spent the extra time to find the policy that works best for you.