Cheap California Auto Insurance

Car Insurance Rates: What factors actually determine Cheap California Auto Insurance rates?

There are many factors that weigh in on your auto insurance rates. You may find yourself in a situation that you and your friend have the exact same cars and the same driving record while using the same car insurance company and still get different premiums. That is because there are multiple factors influencing overall yearly insurance cost.

This is not a general knowledge. Most Cheap California Auto Insurance Companies have extensive statistics on every aspect of their job and they modify car insurance quotes based on their own rules. That is not to say they can change the prices any way they want, they are still regulated by law, but they have the right to increase premium rates to the high risk clients.

Amount that they can raise the insurance by is regulated by the Department of Insurance . Rate changes are often reviewed and always reflect the market tendencies as well as traffic accidents statistics. That also means that they have to reward low risk clients too.

Getting Cheap California Auto Insurance Is Not Impossible

  • Average auto liability insurance premium - $391.24

  • Average auto collision insurance premium - $391.24
  • Average auto comprehensive insurance premium - $263.64
  • Average auto combined insurance premium - $765.20
  • California’s Compulsory Financial Responsibility Law requires every driver andowner of a motor vehicle to be financially responsible for their actions.  Thestatutory minimum limits of liability insurance in California are as follows:

    Bodily Injury

    • $15,000 for death or injury of any one person, any one accident.
    • $30,000 for all persons in any one accident.

    Property Damage

    • $5,000 for any one accident.

    There are four ways to accomplish financial responsibility:

    1. Coverage by a motor vehicle or automobile liability insurance policy;
    2. A cash deposit of $35,000 with the Department of Motor Vehicles (DMV);
    3. A certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles; or
    4. A surety bond for $35,000 obtained from an insurance company licensed to do business in California.

    All California drivers and owners must have at least the statutory limits of minimum liability insurance or an approved alternative way to pay for injury or property damage they may cause.  Penalties are very severe for non-compliance with this section ofthe vehicle code.

    When your car is in an accident for which you are found legally liable, bodily injury (BI) liability covers your liability to others for injuries to them. Property damage (PD)liability covers your liability for damage to someone else’s property.

    A policy with bodily injury of $15,000/$30,000 and property damage of $5,000 will pay out as follows:

    • The maximum limit for one person’s injuries, medical expenses is $15,000 under the bodily injury portion;
    • If two or more people are injured, the maximum limit for the accident will be $30,000;
    • The maximum limit for damage to other people’s property (their car, their fence, etc.) is $5,000.

    • Comprehensive coverage (other than collision), uninsured motorist, medical payments and collision insurance are not required by law. California has over 23 million licensed drivers and over 33 million registered private and commercial vehicles according to the U.S. Department of Transportation. The California Department of Insurance has some great resources to help you find quality Cheap California Auto Insurance. These resources can help you with the California Low Cost Auto Insurance Program, What information you should have ready when shopping for a California Auto Insurance Quote, What are the California Auto Insurance Broker Fee Regulations, Who is eligible for California Auto Claims mediation and more.

      Insurance Commissioner Steve Poizner Announces Highest Enrollment in Low Cost Auto Insurance Program in Three Years

      Amid 12.5 percent unemployment, Californians are still making the smart choice to stay insured

      California Insurance Commissioner Steve Poizner today announced that in February, the Cheap California Auto Insurance Programs saw the highest number of enrollments in any one month during the past three years. Poizner urged all Californians affected by the recession to continue considering all other insurance options before dropping auto insurance.

      "In the midst of economic downturn, people cut corners everywhere they possibly can, and some even make the ill-advised decision to get rid of auto insurance," said Commissioner Poizner. "During one of the toughest economic times California has been through, I am encouraged to see that drivers are taking advantage of this program that can save them money and keep them from breaking the law. I urge anyone who is thinking about dropping their auto insurance to think again, possibly get Cheap California Auto Insurance by shopping around"

      The CLCA program received 788 applications in February 2010, more than any other month in three years. The program also saw a 30 percent increase in use year to date in 2010, compared to the same time in 2009. There was an 18.9 percent jump in use in 2009 compared with the year before. An aggressive outreach program and the tough economic conditions are credited with the increase in the program that was established in 1999 and has been available in every California county since 2007. Namely Cheap California Auto Insurance companies.

      Approximately 7,500 applications to the CLCA were approved in 2009 compared to 6,306 in 2008. The most active month was April 2009 with 727 applications filed. The monthly average for the year was 624 applications.

      As most people know, the best things usually come at a higher price. Cheap California Auto Insurance rates are known to be some of the most expensive in the country. However, it is possible to get affordable and reliable auto insurance in the state of California.

      Understanding what you can do to lower your insurance rates is very critical. There are some things that you can do to get Cheap California Auto Insurance rates. Combining as many of these together as you can will help you to obtain the cheapest and most reliable insurance rates that you can get in the state of California. Of course, even doing one or two of these things will help to reduce your rates significantly.

      A major deciding factor for your insurance rates will be how many tickets or other violations that you have had while driving. Avoiding tickets is one of the most important things you can do to lower your insurance rates, especially if you are under twenty-five years of age, and Teenagers

      are another story.. Accidents that were not your fault would not affect your auto insurance rates, but the accidents that are your fault will greatly increase your auto insurance rates. With a DUI, you will not get Cheap California Auto Insurance and even more so than any other traffic violations due to the many deaths caused by this.

      Traffic violations will often take more than a year to be dropped off your driving record in most states, including California.

      Reducing your mileage, driving a car with a high safety rating, small cars, inexpensive cars, a good credit score and raised deductibles will all help you to get Cheap California Auto Insurance premiums. See Auto Insurance Company Rankings

      It is also wise to be insured by a company that has been providing Cheap Auto Insurance in California for years. You should avoid any insurers that are not highly rated. You will find that every insurer will have a different business philosophy. Therefore, you must find an insurance company that is not too meticulous and that is willing to work with you. If you can, get an idea of how the insurer handles a claim before signing up with them. This is an important factor as well. Researching a particular company as well as you can will work greatly to your benefit.

      Cheap California Auto Insurance is not impossible to find if you just follow these important steps.

      Good + Fast = Expensive
      Choose good and fast and we will postpone every other job, cancel all appointments and stay up 25-hours a day just to get your job done. But, don't expect it to be cheap.
      Good + Cheap = Slow
      Choose good and cheap and we will do a great job for a discounted price, but be patient until we have a free moment from paying clients.

      Fast + Cheap = Inferior
      Choose fast and cheap and expect an inferior job delivered on time. You truly get what you pay for, and in our opinion this is the least favorable choice of the three.

      Back to the Top Cheap California Auto Insurance

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