Living in California, you know driving in the Golden State is rather like the reality shows they shoot out there: unpredictable and a bit over-dramatic. OK, maybe more than just a bit.

Difficult driving conditions mean solid car insurance is important. But you don’t want to overpay for that coverage. How do you find the right mix? You know, get A-list celebrity coverage at B-list price?

We found a company that can help you do that. How? It just does things smarter so you don’t have to pay for stuff you don’t need.

Don’t Pay for Corner Office Space

The problem with big, outdated insurance companies is that along with their big names comes a lot of big expenses.

Just who pays for clunky PCs and unnecessary office space, anyway? You guessed it: the people who buy their policies.

What you want is to pay for coverage you need in case you have an actual claim. That’s what Clearcover does. The company avoids wasteful spending on its end so you can pay less for your coverage. Simple, right?

Clearcover works through a mobile app, so you can access your account quickly at any time and get paid fast when you need it. Plus, it does a lot of cool things you won’t find at other auto insurance companies, including:

Get Your Coverage for a Lower Price

You know how new tech devices get cheaper after a while? As technology develops, we learn how to use it more efficiently and keep costs down.

That’s what Clearcover does for insurance by using today’s technology and weeding out excessive advertising, celebrity endorsements and clunky equipment. You’re not paying for corner offices, just the coverage you actually need.

If you’re braving the roads in California and wondering if you could be saving money by switching, it’s time to find out. Sign up today, and you can save 20% to 40% on your premiums simply by not paying for the stuff you don’t need.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

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