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Be Informed and Insured: Comparing Cheap Car Insurance Quotes in California
When you hit the road in your car, your safety is automatically at stake. You can be the most safety-conscious driver there is, but you’re not the only one driving on the road. Other drivers may not be as cautious as you are and could be quite the opposite. Further, there are conditions on the road such as rough terrain, wet road, cracks, and potholes, etc. that increase your chances of having an accident.
In such a case, having car insurance will ensure that you will not get caught in a financial strain in case you or the other drivers commit a mistake that leads to property damage or physical harm. It’s also designed to safeguard car owners from other financial troubles that can lead to costly expenditures related to vehicular accidents.
Scout for the Most Affordable Car Insurance in Your State
Plenty of job opportunities and low oil prices have been a boon for developed countries such as the US. These advantages also led to more cars on the road and a higher vehicular accident frequency. As a result, car insurance surges. This is especially true in states with vast metropolitan areas and high population densities such as California.
Car insurance policies vary in different states. Most states require you to obtain car insurance if you plan to drive and register your car within the specific state. Each state has particular minimum limits for car insurance. In California’s case, it has one of the most expensive car insurance on average, although costs vary between local insurers and different cities.
The cost of insuring a car can range by over a thousand dollars between insurance companies, depending on where you live. Hence, to get cheap car insurance in California, consumers should compare quotes and shop around. One convenient way to do it is through different platforms that specialize in car insurance data.
You need to enter the zip code of your area, and you’ll get comparisons for auto insurance plans among top insurers in the US.
Cheap Car Insurance for Drivers in California
Car insurance rates in California are among the most expensive. But, it doesn’t mean you can’t find a good plan. Even in some of the most expensive cities such as Los Angeles, Inglewood, and Glendale, cheap car insurance is available if you know what to do and where to look.
You can save money on car insurance if you have no DUIs (Driving Under the Influence), speeding tickets, or at-fault accidents. Insurance companies will use your driving record as a way to anticipate what kind of risk you will pose to them. Hence, you are less risky and therefore cheaper customer for them if you don’t have any of these violations.
Apart from a cheaper premium, some California car insurance companies also offer a discount for safe driving. While the amount varies according to the company, it can range from 5% to 10%. Again, the rates vary depending on your location.
To give you a better picture, listed below are some of the major cities in California and the trend of their car insurance policies.
Los Angeles, California
Car insurance in Los Angeles can cost on average $2,257 for a 30-year-old male. However, if you’ll search through different quotes from different car insurance companies in LA, you may get cheaper plans.
The rates can change dramatically within L.A county. Even jumping from one or two zip codes within Los Angeles can make a big difference Angelenos. For instance, moving the parking spot or primary garage from Walnut to Long Beach can minimize the annual car insurance premiums by $259 for a 30-year-old male.
San Diego, California
America’s Finest City is home to a number of naval bases as well the University of California at San Diego system. With over 1.3 million residents, this city is among the top players with expensive car insurance whose average annual premium starts from $1,623 for a 40-year-old male.
The city also ranked 13th for having the worst traffic in the country according to USA Today. A commuter will have an accumulated of 37 hours delay for a year due to traffic. The University Avenue and 54th Street were cited as the busiest and worst intersections in San Diego. It also polled an average of 70 deaths a year due to car crashes. These factors paved the way for San Diego having one of the most expensive car insurance policies in the state.
San Francisco, California
This city is home to the world-renowned Golden Gate Bridge, Golden Gate Park, and Transamerica Pyramid to name a few. Its thick tourists’ admission automatically helmed it as one of the busiest cities in California.
Adjacent to its dense population is the heavy traffic, which tallies for an average 78 hours of delay per commuter annually. It also recorded a 70% worth of traffic fatalities. These factors call for the city’s annual car insurance minimum of $1,104.
The city’s 495,000 residents have a day’s worth of access to the famous Sequoia and Yosemite National Parks. That being said, it’s easy to see why it’s also one of the heavily visited cities in California. But along the perks of gaining massive tourist admission comes its fair share of drawbacks such as high traffic densities and vehicular accidents.
Fortunately, the car insurance rate in Fresco is not that expensive. The car insurance rates in California is 4% cheaper compared to California’s average of $ 1,162.
Long Beach, California
The Gerald Desmond Bridge in Long Beach, California is the first bridge constructed made of cable wires. The bridge creates a premature demise because of the heavy load of truck and car traffics going here and there at any given the time of day.
So, Long Beach has Century National, Nationwide, and GEICO that offers the lowest rates of car insurance. These three car insurance companies average a price of $1,256 which entails a 39% difference amongst other competitors. Along with the car insurance mentioned above comes State Farm, Grange, and Long Beach Average.
Sacramento, a city that’s called as the capital of California, has at least six car insurances companies that offer different insurance rates. Found within the heart of the town and the same with Long Beach, GEICO, Century National, and Nationwide averages around $1,001 cost or at least 30% cheaper compared to other car insurance companies found in Sactown.
The Downtown Sacramento entails the most massive traffic volume in the said capital city of California. It is the city’s financial and political hub and the home of the famous Capitol Park. It is Sacramento’s main landmark filled with busy nightlife and dining scenes including the favorite NBA games held at Golden 1 Center.
As a result, according to the records written by Sacbee.com, car crashes ballooned to at least 22% compared to the 4% than any of the last 20 years. It was in the year 2005 that got the most record of car crashes found in Sacramento, California.
Oakland, California based on its population, is tagged as the eight largest cities in the state. The famous Oracle Arena in Oakland, the home of Golden State Warriors which happened to be one of the leading members of the National Basketball Association, creates a much pie when it comes to visitor and tourists percentage.
That said, an average rate of $1,408 based on sample drivers feedback and review happens to have the 12th cheapest car insurance providers in Oakland. GEICO, Nationwide, and Century National still offer around 495 lower of the overall costs compared to other car insurances available in the county.
San Jose, California
This city is also home to various architectural landmarks such as the Silicon Valley and Winchester Mystery House. It’s also one of the most visited of many technology and development enthusiasts.
Along with its attractions are the drawbacks of having congested intersections which account for numerous road accidents and fatalities. That being said, the city imposed a car insurance rate that has a minimum of $ 1, 076 per year.
The Kern County Sheriff’s Office released a report stating an average of 42 pedestrian deaths in 2017. It mostly occurs in Kern County where the famous Kern County Raceway Park is situated.
So, car insurances in Bakersfield, California ranks 39th cheapest in the whole State of California. Century National, GEICO, and National averages around $1,526 auto insurance coverage over the three remaining car insurance providers.
Anaheim, one of the famous city in California which happened to be the home to Disneyland, L.A. Angels of Anaheim, and Anaheim Ducks Hockey Team, had the least expensive car insurance rates.
The three main auto car insurance providers GEICO, Century National, and National averages around $1,239 per year in every auto insurance. It entails about 42% lesser compared to all cities car insurers which may sum up to $1,760.
Kinds of Liability Coverage in California
The law in the state of California requires a car owner to have means to cover costs related to damages and injuries in a car accident. Buying a liability car insurance is the go-to option for many people to meet what the state law requires.
To give you an idea what’s the minimum amount of liability insurance you should have on your car insurance policy, here’s a rundown for that purpose.
Bodily Injury Liability Coverage
When you injured a person with your car, the bodily injury liability coverage covers the amount you should pay for the injured person. In this coverage, the minimum amount required is $15,000 for the injury or death of a single person and $30,000 for the injuries or deaths of more than one person.
Most insurance companies will record the coverage as 15/30, referring to the minimum amount of the coverage. You can also use the bodily injury liability coverage to shoulder the legal costs if you are involved in a lawsuit in relation to a car accident.
Property Damage Liability Coverage
For property damages, the minimum amount of liability coverage for a vehicular accident in California is $5,000. This coverage pays out for the damage incurred to another person’s property resulting from such a crash. The same with the bodily injury liability coverage, a car owner who is responsible for a car accident can also use the property damage liability coverage to cover the costs for any legal process if he/she gets sued in the process.
It covers for the damages done to your car that do not involve traffic accidents. If your car is damaged by theft, for instance, you can have the comprehensive coverage for that purpose.
The collision coverage pays out for the damages to your car resulting from a vehicular collision with another motorist.
The loan/lease payoff coverage covers the remaining balance of a car loan if a financed car suffers a total loss.
Uninsured/Underinsured motorist coverage
A number of drivers in California do not have car insurance. If you happen to be one of these drivers, you can choose an uninsured/underinsured coverage to pay out the damages if your vehicle is involved in a car accident.
Car Insurance Extras
There are a lot of options for you to choose as to what kind of liability coverage is important for you. Aside from the liability coverage mentioned above, there are extra coverages like the roadside assistance, gap insurance, custom equipment, rental insurance, and OEM endorsement.
Driving a car when you’re not insured is illegal, and there may be a chance that you’ll get disqualified from driving. Plus, the maximal fine is unlimited. Car insurances are a legal requirement for people who have a car. Also, it can help you by giving you financial protection in the event of an accident.
Accidents are not inevitable, and it can happen at the least expected time. In addition to that, a car insurance company can also come to your aid if someone steals your car, vandalized, and in any damages caused by a natural disaster. So it’s crucial to assure yourself that your selected insurance company covers for you if you’re involved in one.
Listed above are states which have some of the best California car insurance companies. If you’re living in California, then this article may be able to inform you of the different car insurance rates inside the country. So if you’re not insured yet, then maybe now is the time for you to secure insurance for your car.