<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=1700626273582757&ev=PageView&noscript=1" />

Cheapest car insurance in california yahoo answers

If you’re looking for cheap car insurance in California, getting the best deal may require some patience. Rates can vary from one company to the next, so it pays to compare as many estimates as possible.

To make things easier, NerdWallet has done the heavy lifting for you. We researched rates from the 11 largest insurers in the Golden State and found the cheapest options for several common driver types.

Included in this page are the cheapest rates for:

Good drivers

Young drivers

Drivers with one at-fault crash

Retired drivers

Drivers with a military connection

ALSO IN THIS ARTICLE

Minimum required car insurance in California

Alternative car insurance in California

Cheapest for good drivers

For drivers with no at-fault accidents, DUIs or moving violations.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Cheap car insurance new york

price

  • $1,193/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Car insurance ireland phone numbers

price

  • $1,337/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Antique car insurance alberta

price

  • $1,371/year
Get a quote

Geico returned the cheapest rates for this group in our test, at roughly $99 a month, followed by Esurance and 21st Century.

Good drivers typically have discounts available that reward their safety behind the wheel. Look to keep costs down by scoring perks for claims-free driving.
[Back to top]

Cheapest for young drivers

For drivers in their early 20s.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Car insurance category 15 day weather

Price

  • $463/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Cover note car insurance nrma holiday

price

  • $702/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Korma curry paste sainsbury's car insurance

price

  • $714/year
Get a quote

Drivers in their early 20s often need less coverage than older motorists who have families and greater savings to protect. For this reason, we ran rates for young motorists carrying the minimum required coverage in California.

Geico had the lowest sample quote in our results for young drivers in the general population, about $39 per month.
[Back to top]

Cheapest for drivers with one at-fault crash

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Bmw car insurance 7 day cover

Price

  • $1,679/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Cheapest car insurance for new drivers over 25 ukulele

price

  • $1,854/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Co op car insurance contact telephone number

price

  • $2,191/year
Get a quote

Causing an accident in California can add a significant amount to your premium. The lowest average quote for this category was about $500 more than the cheapest estimate for a driver of the same age with a clean record.

AAA was the best choice for non-military-affiliated drivers in our analysis, with Esurance and Geico rounding out the three cheapest options.
[Back to top]

Cheapest for retired drivers

For drivers in their mid- to late 60s who no longer use their car for commuting.

NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Nj manufacturers car insurance for teachers

price

  • $937/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Erie car insurance locations

price

  • $948/year
Get a quote NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Alex Glenn Granary flour sainsbury's car insurance

Price

  • $1,054/year
Get a quote

Given their reduced annual mileage, retired drivers can score pretty cheap car insurance in California. 21st Century notched the best rates in our test, at roughly $78 per month, with Geico and Allstate not far behind.

To save even more, retirees should look into discounts aimed at mature or retired drivers age 55 or older.
[Back to top]

Cheapest for drivers with a military connection

What the cheapest car insurance for new drivers Get a quoteUSAA is available only to active military members, veterans and their families.

If you’re an active member of the military or a veteran — or have an immediate family member who is — chances are you’ll get a relatively cheap rate with USAA, a company that isn’t available to the general public.

USAA was one of the three cheapest auto insurance options for every driver type listed above. USAA customers also benefit from the insurer’s top-rated customer service.
[Back to top]

Minimum required car insurance in California

California drivers must carry liability insurance in the following amounts:

  • $15,000 bodily injury liability per person.
  • $30,000 bodily injury liability per accident.
  • $5,000 property damage liability per accident.

Liability coverage helps pay for other people’s injury or property damage bills if you cause the accident. Experts recommend getting more than the bare minimum if you want to avoid dipping into your own savings to cover expenses.

For instance, California has a relatively low property damage minimum, only $5,000. If you cause an accident and total another driver’s car, the damage could easily exceed that amount, and you’d have to pay the difference out of pocket.

Check out NerdWallet’s guide to state car insurance requirements for more details on how the required and optional parts of your California policy work.
[Back to top]

Alternative car insurance in California

If you have a high number of accidents, DUIs or other factors making it hard to find auto coverage on the voluntary market, you might qualify for insurance through the California Automobile Assigned Risk Plan (CAARP). This organization connects high-risk drivers to insurance companies that will cover them.

For more help finding the most competitive prices in California, try NerdWallet’s car insurance comparison tool.

Here’s a summary of where you’ll find the cheapest insurance, by category:

Cheapest car insurance in California

CategoryCheapest option
Good driversGeico
Young drivers
Geico
Drivers with one at-fault crash
AAA
Retired drivers 21st Century
Drivers with a military connectionUSAA

» MORE: California home insurance 2017: Rates, complaints and earthquakes

Alex Glenn is a staff writer for NerdWallet, a personal finance website. Email: aglenn@nerdwallet.com.

METHODOLOGY

For most categories, NerdWallet averaged rates from the largest insurers for 30-year-old men and women in 10 ZIP codes and with 100/300/50 liability insurance limits, 100/300 uninsured motorist bodily injury coverage limits, and collision and comprehensive coverages each with a $1,000 deductible.

We used a 2013 Toyota Camry in all cases.Our sample retired driver was 67 and drove 50% fewer annual miles than other groups, as did our sample low-mileage driver. Our sample young driver was 22 and carried the minimum required coverage. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Source


Anti fraud fee car insurance

Personal Auto Insurance

Looking for affordable insurance? We know that it can be difficult to find the right insurance that fits your needs. That's why, here at Titan, we want to help you make sure you get the right coverage that fits your needs.

Why choose Titan for an affordable vehicle insurance policy?

From the time you establish your auto insurance policy with Titan, you'll notice a difference. With Titan, you'll get helpful customer service, local agents and great auto insurance for as little as $1 a day.

From the minimum state required limits to full coverage, our policies are tailored to meet your unique needs and budget. 

Titan's affordable insurance coverage options include:

Auto insurance liability coverage
Liability insurance coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others' medical costs and lost wages subject to policy coverage provisions and limits. Liability coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Many state laws require liability coverage.  Each state has its own minimum requirement.

Collision coverage
Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured or underinsured motorist coverage
Uninsured or underinsured motorist coverage helps pay for damages to your vehicle if it is damaged in an accident by an underinsured, uninsured or unidentified driver. Uninsured or underinsured motorist coverage also helps pay your medical costs and your passengers' medical costs if an accident caused by an uninsured or underinsured driver results in injury. 

This car insurance coverage may also pay for lost wages and other damages. Auto coverage varies from state to state and is required in some states.

Medical payment coverage
If you are injured in an accident, medical payment coverage can help pay for your medical expenses.

Comprehensive coverage
When used together, comprehensive and collision coverage are great ways to protect your vehicle. Comprehensive coverage may cover damage to your vehicle not caused by collision.

Additional types of insurance coverage
Titan also offers additional types of insurance coverage to supplement your auto policy. Designed to protect you against the unexpected, these coverage options include roadside assistance if your car breaks down, towing and labor if you're stranded and rental reimbursement to cover the cost of a rental car while your vehicle is in the shop for accident-related repairs.

Is it possible to get affordable car insurance for high risk drivers?

If you have a less-than-perfect driving record, it can be difficult to find an insurance company that provides affordable car insurance for high risk drivers -- or "non-standard" insurance.

At Titan, we understand that accidents can happen to anyone at any time. That's why we offer affordable policies that help you get back on track.

You may be considered a high risk driver if any of the following apply:

  • You have multiple speeding tickets or traffic violations in a short period of time
  • You have more than 6 points on your driving record
  • You've had at-fault accidents while uninsured
  • Your record includes a DUI/DWI conviction
  • You're a teen driver
  • You've had a lapse in coverage

What is an SR-22?

If you're considered a high risk driver and have had your driver's license suspended, a court may require you to carry what's known as an SR-22 in order to have your driving privileges reinstated. An SR-22 document states that you're financially responsible and carry your state's minimum liability insurance limits. Your SR-22 status will likely continue for at least 3 years, during which time you must maintain a high risk auto insurance policy. Otherwise, you may risk having your license suspended.

How to get affordable vehicle insurance by leveraging available discounts

You may be a high risk driver, but that doesn't mean you can't get the discount auto insurance coverage you need. At Titan, we offer a variety of discounts to help you get affordable vehicle insurance – like maintaining an accident-free driving record, insuring multiple vehicles and more.

3 easy ways to get an affordable car insurance quote

Call your local agent or get an affordable car insurance quote online and find out how much you can save. You may qualify for a discount for even cheaper auto insurance.

  • Get affordable auto insurance online by entering your zip code at the right
  • Call 1-800-TITAN-UP (1-800-848-2687)
  • Find a Titan Insurance agent or broker near you

Need to  understand the minimum auto insurance coverage that's right for you? Talk to a Titan representative about affordable insurance coverage that can help protect you if you're in an accident. And for even more affordable coverage, check our discounts on auto insurance.

Source

Add comment

This e-mail already registered. or enter another.

Error

Sorry.
↑↑↑↑↑↑↑