California car insurance costs may be higher than in many other states, but that doesn’t make finding affordable coverage impossible. With just a bit of effort, drivers can easily compare quotes and locate affordable coverage. Factors influencing car insurance rates in California may include your age, gender, driving record and type of vehicle you drive as well as how much coverage is purchased; location plays an impactful role as well.
Your time on the road can have a direct effect on your policy, since it could increase your risk of an accident. Our car insurance calculator takes this factor into account when estimating rates; similarly, its value has an effect on whether or not additional liability coverage should be carried – use our calculator to estimate cost associated with adding drivers or increasing coverage limits.
Age can make a significant impactful on your premium, as insurers view younger drivers as higher risks than older ones. This may be partially attributable to their inexperience behind the wheel and/or more tickets/accidents occurring more frequently with younger drivers; thankfully though, car insurance premiums tend to decrease with age provided no accidents occur and tickets remain free.
As well as your age, the type of vehicle you drive has an enormous effect on how much car insurance costs in California. Different cars carry different risks of theft, vandalism or being involved in an accident; thus a more expensive or newer model typically incurs higher insurance premiums than an older one of comparable value.
Because California requires that all drivers purchase auto insurance, it’s crucial that drivers understand how their premium is calculated. Many California drivers can save money by taking defensive driving courses or bundling auto and home policies together; others might even qualify for lower cost programs tailored specifically for certain income levels.
Though it’s essential to find an affordable policy, always read through and compare quotes from at least three insurance providers before making your choice so you can rest easy knowing you are getting maximum value for your dollar.