- Auto Insurance California: How to Find the Best Rates
- What Type of Insurance Do You Need in California?
- Best Auto Insurance for Young Drivers in California
- What We Do at A Plus Insurance
- Cheapest Car Insurance With A Bundle/Homeowners Discount in California
- Best Broadform or Non-Owners Auto Insurance in California
- Least Expensive Car Insurance With a DUI, Accidents, or Violations in California
- Best Liability Only Auto Insurance in California
- Cheapest Auto Insurance With a Clean Driving Record in California
- Most Affordable Insurance With Good Credit in California
- Lowest Cost Insurance With An SR-22 in California
- SR22 Insurance Process
- How to Get a Free Quote Insurance California
- What types of insurance are commonly available in California?
- How can I find the right insurance coverage in California?
- Do you need assistance navigating insurance options in California?
- Q4: Why is it hard to get auto insurance in California?
What Type of Insurance Do You Need in California?
Motorists are required to carry auto liability insurance, which covers damages and injuries sustained by others in an accident you’re deemed responsible for. This includes bodily injury liability and property damage liability, both crucial components of any insurance policy in California. Additionally, uninsured motorist coverage is highly recommended, given the significant number of uninsured drivers on California’s roads. This coverage protects you if you’re involved in an accident with an uninsured or underinsured driver, ensuring your medical expenses and property damage are covered. Moreover, comprehensive and collision coverage can provide further protection for your vehicle, covering damages from non-collision incidents such as theft, vandalism, or natural disasters, as well as collision-related damages.
Best Auto Insurance for Young Drivers in California
California is the avocado capital…and if you are as green as an avocado…that can mean a higher insurance rate.
Due to inexperience most carriers charge a higher premium for males and females under 25.
Like the Golden Gate Bridge, we at A Plus Insurance can help you cross over expensive monthly rates and guide you to better prices. Here’s a quick tip: pick a car that insurance companies deem safe or cheap to insure, and this can help keep your rate reasonable.
Insurance California: Average Rates for Young Drivers
| National General | $122 |
| Bristol West | $138 |
| Dairyland | $144 |
| Progressive Insurance | $157 |
| Farmers | $158 |
| Allstate | $159 |
| GAINSCO | $163 |
| Geico | $164 |
| Liberty Mutual | $164 |
| USAA | $164 |
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
Cheapest Car Insurance With A Bundle/Homeowners Discount in California
When Harry met Sally, when Rose met Jack, when Westley met Buttercup…certain things bundled together are just better!
Your Auto and Home insurance in California is no different.
Discounts are available when you add Homeowners to your auto policy and you can save that money for Coachella or a tour in Wine Country.
Insurance California: Top 5 Best Rates with a Bundle Discount
| Progressive Insurance | $139 |
| Bristol West | $143 |
| GAINSCO | $143 |
| Mendota Ins. Company | $144 |
| National General | $151 |
| Geico | $152 |
| Dairyland | $155 |
| AssuranceAmerica | $158 |
| The General | $159 |
| American Family | $160 |
Best Broadform or Non-Owners Auto Insurance in California
Broadform insurance follows the person unlike most other policies which follow the car.
This is the most minimal type of insurance and typically only covers the state required limits of liability.
For California the State minimum is
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Insurance California: Top 5 Best Rates for Broadform or Non-Owners Insurance
| Progressive Insurance | $89 |
| Dairyland | $107 |
| The General | $113 |
| Mendota Ins. Company | $156 |
| Bristol West | $158 |
| Geico | $176 |
| Acceptance RTR | $212 |
| State Farm | $245 |
| Allstate | $248 |
Least Expensive Car Insurance With a DUI, Accidents, or Violations in California
California has some of the most stringent impaired driving laws in the U.S. according to findlaw.com this can have a major impact on your insurance.
California Insurance providers perform background checks upon renewal and will increase the premium of high-risk drivers. What can be done? Shop around! We at A Plus Insurance can help you make the work painless.
Insurance California: Top 5 Best Rates for Records With Violations or Accidents
| Dairyland | $158 |
| Acceptance RTR | $161 |
| Progressive Insurance | $177 |
| The General | $178 |
| Geico | $179 |
| National General | $187 |
| AssuranceAmerica | $189 |
| GAINSCO | $190 |
| Mendota Ins. Company | $190 |
| Bristol West | $191 |
Best Liability Only Auto Insurance in California
The California State minimum liability limits of insurance is:
$15,000 for injury/death to one person.
$30,000 for injury/death to more than one person.
$5,000 for damage to property.
Liability insurance only might seem basic, but at the very least, can give you the peace of mind that the drivers around you are covered if you hit them.
Insurance California: Top 5 Best Rates for Liability Only
| The General | $83 |
| Mendota Ins. Company | $89 |
| National General | $92 |
| Progressive Insurance | $92 |
| Geico | $101 |
| Liberty Mutual | $110 |
| AssuranceAmerica | $111 |
| Farmers | $112 |
| Nationwide | $112 |
| USAA | $112 |
| Dairyland | $117 |
Cheapest Auto Insurance With a Clean Driving Record in California
Having a clean driving record will not win you the Oscar at the Academy Awards, but you can win big when it comes to your California insurance rates.
A clean driving record is one without any accidents, moving violations, or application points on your license. This tells insurance companies that you are committed to following rules and are safe which translates to lower premiums.
If you currently have moving violations, worry not! With time these violations will no longer be held against you as long as you work on improving your driving. Consider a Defensive driving course.
Insurance California: Top 5 Best Rates for Drivers With a Clean Record with Full Coverage
| Progressive Insurance | $130 |
| Dairyland | $135 |
| 21st Century | $138 |
| GAINSCO | $143 |
| Mendota Ins. Company | $143 |
| Acceptance RTR | $152 |
| The General | $154 |
| Nationwide | $156 |
| National General | $159 |
Most Affordable Insurance With Good Credit in California
Grapes, almonds, strawberries, and oranges are just some of the fruits California enjoys as crops they grow. You can enjoy the fruitage of your hard work to keep your credit score in the green!
A good credit score signals to insurance companies that you can be trusted as financially responsible. The reward is not a Golden Globe, but less expensive insurance rates!
Insurance California: Top 5 Best Rates for Drivers With a Good Credit Score Full Coverage
| Mendota Ins. Company | $132 |
| GAINSCO | $135 |
| Dairyland | $138 |
| Nationwide | $141 |
| Acceptance RTR | $145 |
| Bristol West | $145 |
| AssuranceAmerica | $150 |
| The General | $154 |
| National General | $161 |
| 21st Century | $164 |
| Farmers | $164 |
Lowest Cost Insurance With An SR-22 in California
An SR-22 is a form usually ordered by the state via the DMV or the court in California. Why would someone need this form?
1. Driving without a License or Insurance
2. DWI or DUI conviction
3. Multiple driving violations within a short amount of time
..And a few other scenarios.
It is not insurance, but proof that you meet the minimum auto insurance coverage and that you are financially responsible enough to be on the road.
Insurance California: Top 5 Best Rates for Drivers With an SR-22
| Bristol West | $93 |
| Mendota Ins. Company | $97 |
| The General | $98 |
| Progressive Insurance | $100 |
| Acceptance RTR | $106 |
| National General | $106 |
| USAA | $108 |
| 21st Century | $114 |
| American Family | $114 |
SR22 Insurance Process
01.
Consultation
We gather detailed information, ensuring you have all the facts before making a decision.
02.
Quote
Receive your SR22 insurance quote, customized to your unique needs and credit profile
03.
Filing
We work closely with the insurance carrier to ensure that the sr22 is filed with the state
04.
Policy Management
Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.
How to Get a Free Quote Insurance California
01.
Contact Us
Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.
02.
Details
Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have
03.
Quote
We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.
04.
Decision
Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.
What types of insurance are commonly available in California?
California offers various types of insurance, including auto insurance, home insurance, renters insurance, life insurance, health insurance, and business insurance to cater to different needs.
How can I find the right insurance coverage in California?
To find the right insurance coverage in California, assess your needs, compare quotes from different insurers, review coverage options, and consider factors like premiums, deductibles, and insurer reputation.
Do you need assistance navigating insurance options in California?
Feel free to call us at 1.888.445.2793 for assistance with insurance options in California. Our team is dedicated to providing expert guidance and information.
Q4: Why is it hard to get auto insurance in California?
A4: Getting auto insurance in California can be challenging due to factors such as a high number of uninsured drivers, dense traffic, and the risk of accidents. Insurance companies may also consider factors like your driving history and location when determining eligibility and premiums. If you’re finding it difficult to get auto insurance, our team can help you explore options and find coverage that suits your needs.
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A Plus Insurance
Last Updated on by Marlon Moss