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Step 1. Understand What Affects Your Rates
Know which facts make a difference. Your driving record, annual mileage and the number of years licensed are the three most important factors for California insurance rates. Your home address is also important, but Proposition 103 keeps rates relatively lower in urban areas. Some insurance companies ask about your education, occupation, or grades in college. And, the coverage, deductibles, and safety features of the cars you drive will determine your final rate.
Drivers With No Accidents |
VS. |
Drivers With 2 or More Accidents |
Average rate increase = $1,000 |
||
Source: Insurance.com data, 2009.
Step 2. Decide How Much to Buy
It's all about protection. Auto insurance protects you, your passengers and your personal assets. If you rent an apartment, home or condo, state minimum limits may be enough coverage. But, if you own a home or have other assets, you'll need more coverage to protect yourself from lawsuits and liability. Start by comparing rates for the amount of coverage on current policy. Then, check the cost of buying more - or less - coverage. We'll explain the differences, so you clearly understand the trade-offs.
Why Buy Comprehensive Coverage? |
| Rank | State | Cars Stolen |
| 1. | California | 219,392 |
| 2. | Texas | 93,899 |
| 3. | Florida | 73,656 |
Step 3. Shop Smart and Save
Get comparison quotes. Insurance rates change more than once a year, so an annual insurance shopping trip may pay for itself. Get quotes from several insurance companies to make sure your rates are competitive. Insurance.com is a quick check-up for the latest rates from top California auto insurers, including Infinity, Progressive and Safeco. Don't renew your policy until you compare rates. It's fast and it's free.
Get Quotes From These Top California Carriers
Step 4. Learn How Auto Insurance Really Works
Auto insurance is little different in California. Companies are required to focus more on who you are than where you live. And, the use of credit is not permitted, as it is in most other states. Your auto insurance rate will be based on the personal information you provide - and your insurance company will verify that information using your MVR and claim history.
Insurance.com makes it easy. You only need to answer these questions once to receive competing quotes from the California auto insurance companies we represent. No need to visit or call different agents who may only offer one quote. Ready to get started?
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