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Best Car Insurance Rates in California

Here's what you need to know...
  • Car insurance quotes vary according to each driver because several factors determine insurance rates
  • The Internet may be the fastest way to get insurance quotes, but there are other ways to gather quotes as well
  • Contacting specific insurance companies can be a way to ensure they can cover your specific insurance needs
  • Car insurance brokers are sometimes used to gather insurance quotes because they do most of the work for you
  • Whatever method you use to obtain insurance rates, make sure you compare several companies before choosing one

If you live in California, finding a free insurance quote online is fast and convenient.

Start right now to find free quotes for car insurance rates by filling in your ZIP code!

Use a Third Party Quote Site

There are many different options for getting quotes in California.

The fastest way to get free quotes in California is on one of the many websites that provides quotes from many different car insurance providers.

These websites are not insurance companies; rather, insurance companies pay to be affiliated with them. You simply enter your ZIP code, as insurance rates vary according to your location and neighborhood.

You will then be asked more specific questions about:

  • How much you drive
  • Driving record
  • Credit history
  • Types of coverage requested

After analyzing this information, you will be contacted by representatives from different insurance companies. They will usually try to reach you by phone or email with a quote as well as information on how to proceed.

Visit Individual Insurance Companies

Young couple with agent realtor over blue background.

If you already have an idea of one particular company that you would like to get quotes from, you can contact them directly. If there is a local office in your area, you can make an appointment with an agent and sit down face to face to discuss your insurance needs.

You will need to provide the same information as online in order to receive a free quote.

You can also call the company and speak to either an agent or representative to receive a quote.

The majority of insurance companies will have a website that you can visit. Most insurers offer the ability to get a quote online, which can be done at your convenience.

Contact the California Department of Insurance

One way to find contact information for all car insurance providers in the state of California is through the California Department of Insurance.

Since 2005, the state has mandated that any company that sells personal car insurance has to maintain either a website and/or a toll free phone number.

The ability to get quotes must be available through either or both of these avenues.

Use a Car Insurance Broker

There are many face-to-face options for quotes as well.

An insurance broker is another avenue that you can take to get a car insurance quote in California.

A broker is different from an agent in that he or she does not work for one particular provider. A broker has access to multiple providers that can be beneficial to you. A car insurance broker can negotiate with different companies and policies to provide you with multiple quotes.

You have the benefit of working with an actual person while choosing from more than one company to find the best policy for you.

Working with a broker will not cost you any more money than not using one. Brokers are paid by the insurance company that they bring business to. If you like the ability to get multiple quotes but with a more personal touch, a broker may be the best way to go.

No matter how you get your car insurance quote, you should not choose a policy based on  price alone.

If you can find a good price from a good company, go with it. However, make sure that you investigate a few different companies and compare them to be confident you are making a good choice.

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Research Consumer Feedback

You should always research when you are trying to decide upon a car insurance policy. One way to base your decision is through other drivers’ experience. A good resource is JD Power and Associates.

J.D. Power is an independent company that collects and collaborates surveys from consumers about different products and services.

For car insurance companies, it rates each company based on different factors according to consumer feedback. J.D. Power also gives an award to the company that has received the highest ratings across the board.

The current 2012 J.D. Power award recipient is Wawanesa Insurance Company, which is based out of California.

As J.D. Power publishes results from all over the country, you will want to make sure that the companies that catch your eye are able to sell insurance in California, as not all of them are.

You can also ask your neighbors and friends who they use for their car insurance needs and if they have any insight or opinions on any particular company.

Choosing a car insurance company that comes highly recommended from people you know and trust is often the best way.

Other California Car Insurance Resources

Insurance rules and regulations vary according to which state you reside in. The rules may also be different for car insurance companies from one state to another, such as what types of coverage are offered and what the minimum requirements are.

If you live in California, you want to make sure you understand what your state requires in terms of insurance.

How Car Insurance Rates are Determined

cheerful african man inside his new car

When you request a quote from a car insurance company, you will be asked for some information that will help the company determine your rate quote. Insurance companies, no matter which state you live in, base your rate off risk value.

Risk is determined by the following factors:

  • Driving record
  • Vehicle worth
  • Where you live
  • Type of car you drive
  • History of accidents, speeding tickets, or other traffic violations
  • Credit history

You will also be asked for the types of insurance coverage that you would like to have on your policy.

If you are unsure what each one means and have questions about choosing a deductible and liability limits, you would be smart to contact an agent or insurance representative to have your questions answered.

Each coverage type is priced separately, so the more coverage you have the higher your rate quote will be. Although having less coverage will be cheaper, it may be more expensive for you in the long run if you are ever in an accident.

Although using the Internet is the best way to get car insurance quotes in California, there are other options. Choose the one that works best for you.

After getting a few quotes, make sure you do some additional checking on each of the companies to make sure you are going with a trustworthy company.

Begin your quote hunt immediately placing your local ZIP code in the FREE tool on this page!

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