Lowest California Vehicle Insurance Rates - Compare The Lowest Car Insurance Quotes Online And Save Money

california car insurance rates

Lowest California Vehicle Insurance Rates

Finding the lowest vehicle insurance rates in California is a challenge. But our award-winning website shops for the best prices from San Francisco to San Diego so you can save your money and spend it on something else! There are many factors that determine the cost of coverage, so we try to keep you informed of any changes that could lower premiums.

Of course, California is one of the biggest states in the US. so prices are going to be different, depending on where you live. As you might expect, high-traffic areas such as Los Angeles will cost more than outlying suburban areas. Our job is to investigate and research all of the variables that determine costs so that you are being shown the carriers that charge the least.

If you have never had a ticket or been involved in an accident, well find preferred prices for you. If you don have perfect credit, or you have a ticket (or more!), on your driving record, don panic. Once again, well find the carriers that offer

Requirements

Private passenger vehicles have lower requirements than many other states. Code 11580.1b states that the lowest acceptable coverage (liability) is $15,000 (injury/death for one person), $30,000 (injury or death to multiple persons) and another $5,000 for damage to property that is not your own. Of course you can not collect these amounts for your own damage.

The $5,000 figure is extremely low, and should always be increased. If you are involved in an accident that is your fault, there a high chance that if you hit another vehicle, the damages will be more than $5,000. And if a $25,000 car was totaled, you would not want to be in a position where you had to pay $20,000 out of your own pocket.

Low Cost Automobile Insurance Program (CLCA)

CLCA was created in 1999 to offer low-income California drivers an opportunity to buy affordable policies. However, there are some qualifications that must be met. They include having a decent driving record, meeting specific income requirements, the vehicle must be worth less than $20,000, must be at least 19 years old, and licensed for 36 consecutive months.

Actual insurers provide coverage and your initial payment is approximately 10%-20% of the premium. Checks, credit cards and perhaps cash are accepted. However, the liability limits are less than the normal state requirement (although you can increase limits) and medical payments, uninsured motorists and physical damage protection is not included. However, these can all be added for an extra premium.

Annual CLCA Rates In 10 Selected Counties:

And yeshese are annual, not monthly prices. Very low!

$287 Alameda

$256 Butte

$248 El Dorado

$231 Fresno

$347 Los Angeles

$348 Orange

$248 Riverside

$248 San Diego

$287 San Mateo

$231 Santa Cruz

Another reason car insurance rates in California should remain fairly cheap is because Proposition 33 was voted down in November of 2012. If passed, drivers that had no prior coverage would have paid a higher (perhaps substantial) premium. However, drivers that were previously covered would have probably seen a reduction, although not significant.

Please enjoy our site and if you need assistance with any of the free information, please contact us. Securing the lowest prices for your California auto insurance is our goal. And there are numerous companies that may be able to help.

california car insurance rates