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Where can I get cheap car insurance in California?

Here's what you need to know...
  • There are three main insurance providers that service over 50 percent of California’s drivers
  • CSAA, Allstate, and State Farm write more policies in California than all other licensed agencies
  • These three companies are able to offer lower rates because they have a large volume of customers
If you reside in California, your driving history, years of experience and annual mileage dictate your rates.

In the past, car insurance providers considered geographical location and type of vehicle as well.

To find cheap car insurance rates in record time just enter your ZIP code into the FREE toolbox on this page today!

CSAA

 

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The CSAA is affiliated with AAA, the Automobile Association of America. They handle car insurance in sections of California, Utah, and Nevada.

Members of AAA receive great discounts when they apply for car insurance with the CSAA.

Even if you do not have a membership with AAA, you still have better options than with other companies because the CSAA has tremendous benefits.

The CSAA looks for ways to better service their customers.

Although AAA and CSAA both made changes in 2011, they still offer multiple coverage options which helps their new customers save as much money as their long-time members.

Allstate

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Allstate has over 75 years of auto insurance experience. They also care about their customers and show it by being a socially responsible company.

Allstate focuses on retaining their customers through inexpensive rates. They balance this with unparalleled service and attention to detail.

One of the ways they consistently provide cheap rates is by their intelligent investments.

In California, there are over 50 agents that donates a specific percentage to their foundation. They use this money in various ways to benefit their customers.

Allstate wants to be more than an auto insurance provider and thus has spent time thinking of ways to enhance the customer experience.

State Farm Auto Insurance

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State Farm has the largest customer base in California. They write more policies than CSAA and Allstate combined which is how they keep their rates so cheap.

However, unlike some car insurance companies, they do not implement changes frequently.

State Farm is stable and consistent. They earned their reputation by working with each customer as an individual.

Understanding that everyone has unique needs helps their customers trust them. Statistics show people use State Farm as their comparison company as most think of it is the ideal insurance model.

Their honest business practices means their customers rarely need to shop around for a better deal.

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Be a Smart Car Insurance Shopper

You must be responsible and exercise caution when choosing your coverage. Make sure you know what you need for your situation. Luckily, these companies are very trustworthy.

The California Department of Insurance states the minimal requirement is 15/30/5 for liability bodily injury with property damage, which is lower than most states.

Additionally, most car insurance providers in California recommend standard coverage. The reality is most consumers need more than the minimal amount but may not require standard coverage.

Make sure you take the time you require to read and understand their terms. If you agree to standard levels, you can always change your mind later.

Rather than put yourself through unnecessary stress, ask questions.

Standard Auto Insurance Coverage in California

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Minimum and standard coverage levels vary greatly in the state of California.

If you select the very basic levels, you are probably one of the following:

  • Over the age of 50
  • Drive an older vehicle
  • Drive less than 10,000 miles annually
  • Have a safe driving record with very few violations or incidents

Liability coverage does not protect your vehicle. It does make sense in many cases, however, especially if the value of your vehicle is low. Should an accident occur, you probably will simply purchase another car. It may not be to your advantage to pay for more than you need.

Adversely, standard auto insurance coverage is the most common level in California. The majority of customers require an extra level of assurance.

Comprehensive and collision coverage can pay for any damage including theft, fire or flood damage.

Comprehensive will pay for repairs. If the problem is too severe, the payment can go towards a new vehicle.

Standard coverage also includes uninsured/underinsured motorists. There are too many drivers on the road today with insufficient insurance or none at all.

Statistic Brain shows that in California, 25 percent of their residents drive without proper proof of insurance.

Negative Implications of SR-22 and Car Insurance

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All registered vehicles to have proof of insurance in California.

During the course of your driving history, you may violate a law or two. If the violation(s) are serious, the court may require you to obtain an SR-22.

The SR-22 form is also called the California Proof of Insurance Certificate.

The reasons some drivers need an SR-22 include DUI or DWI convictions, driving without valid car insurance, suspended license or excessive tickets. Any of these issues can land you in a bad situation.

When you apply for auto insurance, the company you select has the right to make inquiries. One of the most important queries surrounds your driving history.

An SR-22 proves that you are a high-risk driver, and your car insurance rates will reflect your higher risk. In California, if the SR-22 requirement results from a DUI or DWI, it remains on your record for 10 years.

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