The Golden State is the 2nd most populous state in the U.S. The busy capital, Los Angeles, is known for incredibly dense traffic and a commuter culture. If you call California home, you need to know how much you’re going pay for car insurance. Whether you live in Ventura or San Francisco, you will have to hold at least a minimum amount of coverage to drive legally in California.
An independent agent in the Trusted Choice® network can compare California auto insurance quotes from multiple companies to help you find a competitive rate on your coverage. Your local agent can also provide professional advice, assistance with claims, and many other services. Find a member agent in your area for help comparing California car insurance today.
While California’s average rates are higher than the average for this region, keep in mind that this data is only meant to give you a general idea of your California car insurance costs. Your costs will be based on your age, driving record, the value of your car and the specific options you choose. You also may qualify for certain discounts, for example if you have a claims free record, or if you are a young driver with an excellent record and good grades.
To find out how much you’ll spend on a policy, you will need to get your own individual quotes. In fact, a member agent in th Trusted Choice network can help you compare several different quotes from various insurance companies.
Unlike many states, California does have a lower cost option for low income drivers. Regardless of your income level, if you are going to hit the road in California, take note of the different liability limits you’ll need to meet in your insurance policy.
California law assigns fines for violating the required liability policy regulations:
The state has a high percentage of drivers without required minimum coverage. Just because drivers don’t hold the proper coverage does not excuse their responsibility for damages and injuries when they cause accidents.
If you are worried about being in an accident caused by an uninsured motorist, consider adding uninsured/underinsured motorist coverage. If another driver causes an accident with you and doesn’t hold the proper insurance, your uninsured/underinsured policy will pay for your repairs and medical costs. Your insurance company may, in turn, pursue the at-fault driver for compensation.
As you can see, the car theft rate in California is significantly higher than the national average. In fact, the National Insurance Crime Bureau reports that the Bay Area was #1 for auto thefts in the U.S. in the last few years. That same report listed seven California cities in the top 10 U.S. cities with the highest rate of stolen cars.
An independent agent in the Trusted Choice network can help you compare California car insurance companies and choose the right coverage for your needs and budget. Find a local agent for assistance today.