California Auto Insurance
The average yearly car insurance premium in California
in 2004 was $957.73. Among the 50 states and the District of Columbia, California is the 17th most expensive region to buy auto insurance. New Jersey is the most expensive, at $1,386.46 per year, and the national average is $938.30.*
How to Lower Your California Car Insurance Premiums
At 982097.com, we've found that the most effective way to find the highest quality insurance company, with the lowest possible premiums, is to make insurance companies compete for your business. When you fill out our simple form at the righthand side of this page, you will receive up to 5 competitive quotes from 5 different insurance agents. You choose the best value for you.Factors that Affect Your California Car Insurance Premiums
- Where you live. Drivers in urban areas generally pay more than drivers in rural areas, because there are more auto accidents and auto thefts in urban area.
- What kind of car you drive. More expensive cars, and sports cars, generally have higher premiums.
- Deductibles. The higher the deductible, the lower your premiums.
- The amount of coverage you require. Most people choose to have more coverage than the law requires. If you lease or finance your car, you may be required to carry greater coverage than the law requires.
- Your age. Younger drivers are overall at greater risk of accidents than older drivers.
- Where you park, at work and at home
- How many miles per year you drive
- What you use your car for, business, personal, etc.
- Your credit rating
- Your driving record, including accidents, citations, and criminal and civil legal records