- The Cheapest Full Coverage Car Insurance in California
- Is Full Coverage Car Insurance Right for You?
- What We Do at A Plus Insurance
- Is Standard Coverage the Same as Full Coverage? Understanding the Differences
- Cheapest Full Coverage Insurance in California: Maximizing Discounts
- Top Companies Offering the Cheapest Full Coverage Insurance in California
- Frequently Asked Questions about the Cheapest Full Coverage Insurance in Cali
- FAQs About Cheapest Full Coverage Insurance in California with A Plus Insurance
- Edit Article Information
- Additional Helpful Links
The Cheapest Full Coverage Car Insurance in California
Looking for affordable full coverage car insurance in California? Full coverage includes:
- Liability insurance – Covers damages to others if you’re at fault.
- Comprehensive insurance – Protects against theft, vandalism, and natural disasters.
- Collision insurance – Pays for repairs if your car is damaged in an accident.
How Much Does Full Coverage Insurance Cost in California?
The price of full coverage car insurance depends on several factors:
- Driving Record – Accidents, DUIs, and violations increase your premium.
- Location – Urban areas like Los Angeles and San Diego tend to have higher rates.
- Age & Gender – Young and male drivers often pay more.
- Vehicle Type – Luxury and sports cars usually cost more to insure.
| low | high |
| $145.00 | $180.00 |
| $160.00 | $195.00 |
| $145.00 | $180.00 |
| $145.00 | $180.00 |
| $155.00 | $210.00 |
| $145.00 | $180.00 |
| $140.00 | $190.00 |
| $140.00 | $190.00 |
| $130.00 | $175.00 |
Is Full Coverage Car Insurance Right for You?
Thinking about financing a new car? Before buying, it’s important to factor in the cost of full coverage car insurance. Insurance premiums vary based on your car’s year, make, and model, so knowing these costs upfront can help you budget and avoid surprises.
How Your Car Affects Full Coverage Insurance Costs
- Newer Vehicles – More expensive to insure but may qualify for safety discounts.
- Luxury or Sports Cars – Typically have higher insurance premiums due to costly repairs.
- Vehicles with Safety Features – Cars with automatic braking, lane assist, and adaptive cruise control often qualify for lower rates.
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Is Standard Coverage the Same as Full Coverage? Understanding the Differences
Many drivers wonder, is standard car insurance the same as full coverage? The short answer is no. In California, standard coverage refers to the state minimum liability insurance, while full coverage includes additional protections like comprehensive and collision insurance.
What Does Full Coverage Car Insurance Include?
Full coverage combines:
- State Minimum Liability Insurance – Covers damages to others if you cause an accident.
- Comprehensive Coverage – Protects against theft, vandalism, weather damage, and animal collisions.
- Collision Coverage – Pays for repairs to your car after an accident, regardless of fault.
Optional Coverages to Enhance Your Policy
Want extra protection? You can add:
- Uninsured/Underinsured Motorist Coverage – Covers you if the at-fault driver has no insurance.
- Medical Payments Coverage – Helps pay medical bills after an accident.
- Gap Insurance – Covers the difference if your car is totaled and you owe more than its value.
- Roadside Assistance – Helps with towing, flat tires, and lockouts.
- Rental Reimbursement – Pays for a rental car if yours is in the shop after an accident.
Customizing Full Coverage to Fit Your Budget
Insurance is highly customizable, so you can adjust coverages and deductibles to balance protection and affordability.
Want to compare full coverage vs. standard insurance rates? Get a free quote online or call us today!
| Coverage Type | Description |
|---|---|
| State Minimum Liability | The mandatory coverage required by California law to cover damages or injuries you cause in an accident. |
| Comprehensive Coverage | Covers non-collision-related incidents such as theft, vandalism, and natural disasters. |
| Collision Coverage | Pays for damage to your car resulting from a collision, regardless of who is at fault. |
| Roadside Assistance | Provides help with roadside emergencies like towing, flat tires, and battery jump-starts. |
| Rental Reimbursement | Covers the cost of a rental car while your vehicle is being repaired after an insured incident. |
| Gap Insurance | Covers the difference between the car’s actual cash value and the balance still owed on the lease or loan if your car is totaled. |
| Uninsured/Underinsured Motorist | Protects you if you’re hit by a driver without insurance or with insufficient coverage. |
| Medical Payments | Pays for medical expenses for you and your passengers after an accident, regardless of who is at fault. |
California’s State Minimum Liability Requirements
- $15,000 for injury/death to one person.
- $30,000 for injury/death to more than one person.
- $5,000 for damage to property.
Cheapest Full Coverage Insurance in California: Maximizing Discounts
Looking for ways to save money on your full coverage car insurance in California? Securing cheap full coverage car insurance can be easier than you think, especially when you take advantage of various discounts that insurance providers offer. These discounts can significantly reduce your insurance premium, making your coverage more affordable while still providing comprehensive protection.
Discounts vary by provider, but here are some common ones that you might be eligible for:
Common Discounts for Cheap Full Coverage Car Insurance in California
- Multi-Policy Discount: Bundling your car insurance with other types of insurance, such as home or renters insurance, can lead to significant savings. Many insurance companies offer discounts for customers who have multiple policies with them.
- Good Driver Discount: Maintaining a clean driving record free of accidents and violations can qualify you for a good driver discount. This reward for safe driving can lower your premiums substantially.
- Good Student Discount: If you or a family member on the policy is a student with good grades, you may be eligible for a discount. Insurance companies often reward young drivers who demonstrate responsibility in their studies.
- Low Mileage Discount: Driving fewer miles annually can reduce the risk of accidents, and insurance providers may offer discounts for drivers who stay below a certain mileage threshold.
- Safety Features Discount: Vehicles equipped with advanced safety features such as anti-lock brakes, airbags, and anti-theft systems can qualify for discounts. These features reduce the likelihood of claims, which insurers reward with lower rates.
- Defensive Driving Course Discount: Completing an approved defensive driving course can not only make you a safer driver but also earn you a discount on your insurance premium.
- Membership Discounts: Some insurance companies offer discounts to members of certain organizations, such as alumni associations, professional groups, or credit unions.
- Payment Discounts: Opting for automatic payments, paying your premium in full, or choosing paperless billing can sometimes lead to additional savings on your insurance policy.
- Loyalty Discount: Long-term customers may receive loyalty discounts. Staying with the same insurance provider for several years can result in lower premiums as a reward for your continued business.
- New Car Discount: If you insure a new car, you might be eligible for a discount. Newer vehicles typically have better safety ratings and features that reduce the likelihood of accidents.
How to Maximize Savings
To ensure you get cheap full coverage car insurance in California, it’s essential to compare quotes from multiple providers. Each company evaluates risk differently, so shopping around can help you find the best deals. Additionally, working with an insurance agent can streamline the process, as they have access to a variety of insurers and can tailor a policy to fit your needs and budget.
By leveraging these discounts and being proactive in your search, you can achieve substantial savings on your full coverage car insurance. Contact A Plus Insurance today, and let us help you find the most competitive rates in California. Our expertise and access to numerous insurance providers will ensure you get the coverage you need at a price you can afford.
Top Companies Offering the Cheapest Full Coverage Insurance in California
When searching for cheap Full Coverage Car Insurance in California, you’ll find that there are numerous options to consider. Each insurance company offers different rates based on various factors, including the type of vehicle, driver information, driving history, and other rating factors like your location and credit score. It’s crucial to compare multiple quotes to ensure you’re getting the best rate possible.
A good rule of thumb is to obtain at least three insurance quotes before making a decision. This will give you a broader perspective on the market rates and help you identify the most cost-effective option for your needs. However, the process can be time-consuming and overwhelming.
For a more efficient and comprehensive approach, consider contacting a local insurance agent. At A Plus Insurance, we have the ability to shop across more than three insurance companies in California, ensuring we find you the most competitive rates for cheap full coverage car insurance. Our expertise and access to a wide range of insurers allow us to tailor a policy that fits your specific needs and budget.
By working with an experienced agent, you can save time and effort while gaining access to exclusive deals and personalized advice. Let us help you navigate the complexities of car insurance and secure the best coverage at the most affordable price.
| $157.00 | State Farm |
| $183.00 | Geico |
| $169.00 | Allstate |
| $163.00 | USAA |
| $164.00 | Liberty Mutual |
| $152.00 | Farmers |
| $186.00 | Nationwide |
| $182.00 | American Family |
| $137.00 | Bristol West |
| $204.00 | Dairyland |
| $170.00 | GAINSCO |
| $171.00 | AssuranceAmerica |
| $156.00 | Progressive Insurance |
| $140.00 | Travelers |
| $179.00 | The General |
| $149.00 | National General |
| $173.00 | 21st Century |
| $156.00 | Acceptance RTR |
Frequently Asked Questions about the Cheapest Full Coverage Insurance in Cali
FAQs About Cheapest Full Coverage Insurance in California with A Plus Insurance
What is full coverage insurance, and why is it important in California?
Full coverage insurance in California typically includes both liability coverage and comprehensive and collision coverage. It’s important because it provides comprehensive protection for your vehicle, including coverage for damages in accidents, theft, and other unforeseen events. A Plus Insurance can help you find affordable full coverage options tailored to your needs.
How can I find the cheapest full coverage insurance in California with A Plus Insurance?
A Plus Insurance in California can assist you in finding the cheapest full coverage insurance by comparing quotes from multiple insurance carriers. We consider factors like your driving history, the type of vehicle you drive, and your coverage needs to find the most affordable options while maintaining quality coverage and protection.
What discounts or strategies can help me save on full coverage insurance premiums in California?
There are several ways to save on full coverage insurance premiums in California. A Plus Insurance can help you explore options such as bundling policies, maintaining a clean driving record, qualifying for safe driver discounts, and taking advantage of available promotions. Our goal is to find you the most cost-effective coverage without compromising on protection.
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- California residents can find affordable full coverage insurance options.
- Learn about the factors that affect insurance rates in California.
- For inquiries or quotes, call us at 1.888.445.2793.
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Last Updated on by Brian Muse