How can I maximize my coverage while keeping my premium low?

In California, your rate is partially impacted by the amount of miles you drive per year. The simplest way to lower your rate and keep the same coverage amounts on your policy would be to drive less than you did the year before and update your estimated annual mileage with your insurance company. Proof will normally be required by your company to verify that you are, in fact, driving fewer miles, but this can make a big difference in what you pay. If decreasing your mileage isn't an option then you should strongly consider shopping for a new company. Each insurance carrier will price their coverage differently so you could find a lower rate with the same coverage elsewhere.