The prices for car insurance in California can vary significantly from one company to another, but also from one insured person to another for the same services. You have better chances to get a cheap California car insurance quote if you meet certain conditions. Here are some of them used by most insurers in the state.
Driving record. Are you a reckless driver? Have you ever been involved in a serious accident and it was your fault? Then expect to have some trouble getting a cheap California auto insurance quote. Most insurance companies feel that you run a higher risk of repeating the experience and it wouldn't be profitable for them, so they charge you more to cover for that risk. Also, your premium will increase if you have accidents or just get a speed ticket after you've signed the insurance policy.
Credit rating. This may be hard to understand for a lot of people, but insurance companies believe there is a correlation between your credit and the probability of getting involved in an accident. People with a good credit rating - meaning that they pay their bills on time, don't carry a heavy card balance and don't have too many credit cards - have better chances of getting a cheap California car insurance quote.
Claims history. Understandable enough, insurance companies prefer clients who don't have too many claims or make them pay for damages too often. If you are used to calling the insurance company for the slightest issue, you may end up with higher rates.
Age, family status. Statistics used by insurance companies show that young drivers tend to have more accidents. This is why the older you are, the more chances you have of getting a cheap auto insurance. This is until you are about 70, when the premium paid for an auto insurance policy starts to increase again. Likewise, statistically speaking, married people have less accidents. If you are single, you will probably pay more for your car insurance.
The car. The premium paid for an auto insurance policy also depends mucch on the vehicle model you want to drive. For instance, you have higher chances of getting a cheap auto insurance in California if you want to drive a Hyundai than for a Ferrari. An insurance agent can inform you on rates for each car make and model.
Now you have a rough idea on your chances of getting a cheap auto insurance in Californa. Next, check the rates offered by several insurance companies because they also vary from one insurer to another.
Find out more information on how to get a cheap California auto insurance quote.