A no-brainer, right? Just make sure you can afford the highest out-of-pocket expenses if you increase your deductible and have an accident. Drivers with background violations will pay more for car insurance than those with clean driving records. To help you find credible and accurate information about car insurance in California, MoneyGeek received expert advice from trusted professionals. The added protection of collision and all-risk insurance is especially useful for young drivers, who may not be able to afford another car if their car is wrecked after an accident.
There are several factors that affect how much you'll pay for car insurance in California, such as your driving history, age and location, the amount of coverage you take out, and the insurance company you buy it from. Drivers looking to balance cost with quality service should look for the best car insurance in California. See NerdWallet's guide to state car insurance requirements for more details on how the mandatory and optional parts of your California policy work. For more information, see WalletHub's guides on how much insurance you need and the penalties for driving without insurance.
On average, car insurance rates for adolescent boys tend to be significantly more expensive than for adolescent girls. In California, auto insurance companies may consider factors such as marital status, driving experience and insurance history when setting premiums. If you can't afford car insurance premiums, you could qualify for California's low-cost auto insurance program, which has several payment plans and has no brokerage fees. California is similar to most states in that it requires all drivers to have at least a certain amount of car insurance.
AAA offers auto insurance to residents of Northern California through AAA of Northern California, also called AAA NorCal or CSAA. If you can't afford your current car insurance payments, you might consider reducing your coverage to California's minimum coverage requirements. Liability insurance covers the cost of any damage, injury, or death you cause in a car accident, up to the predefined limits of your policy. Drivers often pay more for car insurance after receiving a speeding ticket because this shows that they are riskier drivers.
As you probably already know, car insurance costs in California can be high, especially if you live and drive in the greater Los Angeles area.