Overview
California is a state in the United States, that in habitats around 40 million people, which is why it is considered one of the most populated state in the country. Because it is a populated state, you can only imagine how many car owners there will be. This is why the state of California is one of the sweet spots for Auto Insurance Companies.
As the world develops, so is the costs of living and as such, the amount of bills to maintain a household also increases. This is why it is always wise to get insurance for various purposes like health, cars, for your pets as well. This is important particularly in California because this State issued a rule that the drivers should purchase car insurance at least according to the minimum amount laid down by the state.
However, with an ever-increasing number of Insurance Companies, it will be no easy feat to choose which Car Insurance Company will be best suited for you and your budget. Likewise, the costs of Car Insurance plans also differ from one Company to another Company. It takes into consideration different other factors. This includes where you live, which is your ZIP code, driving history, the type and model of the car you drive and many more.
Note that:
- Each Company set up their own criteria and eligibility requirements and set the insurance rates.
- The Car Insurance rates may slightly be higher in the state of California due to geographical differences with the rest of the states in the country!
- In addition, in some insurance companies, young adults have higher insurance rates. This is due to their inexperience in driving which can lead to more accidents. Not just in California but this is common in many states where the insurance companies provide low rates for different age groups based on their internal rating systems.!
Good News! You Can Save up to 30% on Auto Insurance in California!
State Farm
State Farm is inevitably the largest auto insurer in the United States with having over 16.2% of market share and branch offices in all cities of California. At State Farm California, they also give good student discounts on car insurance for teen drivers. This Insurance Company has also been accredited with A++ in financial strength. This indicates that they are eligible to handle large influx of claims as well.
Esurance Auto Insurance
Esurance is one company that you should definitely look out for, if you live in California! They offer one of the lowest premiums in California due to its competitive pricing policies in the auto insurance premiums! If you are a new car owner and are looking for car insurance in California that is low and affordable, Esurance is your answer!
Unlike other Insurance it does not have many offers and discounts since the coverage plans are already low. However, a bonus point here is that, you get your insurance approved at a quicker rate. At Esurance, following are some coverage options that are eligible to be covered under the insurance plan:
- Medical Emergencies
- Roadside accidents and emergencies
- Coverage for damages on rental cars
- Loan and lease gap coverages
- Coverage for any other personal injury protection
Geico
Geico is considered the second largest auto insurance company in the United States. The Company is known to provide low average premiums at discounted prices for all its customers across California and the Country in general. This helps the new car drivers to adapt well. It is perfect choice for people looking for cheap car insurance policy.
You can connect with the Company on their official website and get the insurance digitally as well. This is convenient for most people as one can get the insurance policy from the comforts of their homes without needing to visit the company in person. An important advice is that, if you are looking for an insurance that you can customize as per your preferences; this may not be for you since their policy plans are quite simple.
The Geico Insurance Company also contains a strong balance sheet. It is also rated A++ in the financial strength, which is the highest rating available.
Mercury Auto Insurance
No human is perfect and in cases of car owners, you may face unfortunate incidents like DUI, which is common in California. So, if you are new to the insurance world and already have a DUI certificate, you can count on the company, Mercury, to avail yourself the insurance services.
However, note that, insurance for DUI convicts may slightly be higher due to legal reasons. They also offers insurance coverages for drivers and car owners in California with accidents on their driving record. The full coverage is cheap and made affordable for all!
Progressive
Progressive is a company that is well known for providing insurance on cars and homes in over 40 states in the United States. As per the website, this company is the third largest auto insurer in the United States. It is perfect for all the new car owners wanting to get car insurance in California.
To avail this service, you can always visit their website and buy the policy online at discounted prices! At progressive, they also have digital tools for managing your account and filing claims. You can choose a coverage plan that best suits your financial budget.
Wawanesa
Wawanesa is another insurance company that provides excellent customer service. They provide insurance for cars in the states of California and Oregon and so, it may not be an ideal choice if you are planning to move to a different state other than the two states mentioned.
Go Here To Save up to 30% on Auto Insurance in California!
The Costs of Car Insurance in the cities of California!
The car insurance costs in California differs from City to City for drivers. They take into account certain factors like density of population, number of accidents and crime rates, and so on. As per some sources, here’s a list of the price breakdown of insurance costs in California cities:
- Los Angeles: $2,642
- San Diego: $1,775
- San Jose: $1,829
- San Francisco: $2,194
- Fresno: $1,799
- Sacramento: $2,017
- Long Beach: $2,068
- Oakland: $2,156
- Bakersfield: $1,833
- Anaheim: $1,965
