The factors that most affect it are the age of the driver and the amount of coverage they purchase. Bakersfield, California, has the cheapest liability coverage in the state alone. Before buying a policy, you should compare prices, research several companies, and compare quotes to find the cheapest car insurance. Finding the right car insurance company largely depends on your individual needs, so understanding what you're looking for and what your coverage needs are can be the first step in determining what the best California car insurance is for you.
Your car insurance premium is determined by a variety of factors, such as state, city, and even zip code. For insurance companies, it's similar to having a bad driving record, which is why drivers who let their insurance expire for 60 days pay approximately 6% more than the average premium in California. However, let's say you want a full-coverage insurance policy that covers collision insurance, comprehensive coverage, personal injury protection or bodily injury liability coverage, enhanced property damage liability insurance, and others. California requires insurance companies to offer insurance for uninsured or underinsured drivers when purchasing a policy.
However, there are several other factors that affect car insurance rates in California, such as the fact that drivers in California aren't always the best and most careful, increasing the risk for insurers. When looking at car insurance rates in California, it's a promising idea to get quotes from many firms. While the average car insurance rates in California could help you determine if you're overpaying for coverage, remember that your premium will vary based on several individual qualifying factors, such as the type of car you drive, your claim history, and the number of miles you drive per year. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies.
As one of the most expensive states, it should come as no surprise that car insurance rates in California are above the national average. When you compare car insurance quotes in California, be sure to gather a maximum number of car insurance quotes with full coverage that protect your needs, so that you can then decide which is the cheapest low-cost car insurance option in California that is also reliable and protective enough. Car insurance in California is expensive because the state has several densely populated and high-crime urban areas.