Inexpensive Auto Policy Rates in CA
Let’s face it, nobody likes to pay insurance, be it auto insurance, or insurance of any kind. It’s like taxes, we know we have to pay them but we don’t like to (well, maybe it isn’t as bad as taxes).
At the same time, we want coverage in case we have an accident. Some people worry that they might get in legal problems because of any damage they may cause. Others worry that the hospital bills may run so high that they’d be in debt all their lives. Yet there are others who worry about being covered for proper medical attention for themselves and their loved ones in case something happens to them in an accident.
Whatever the reason, that’s enough to make you prefer to purchase insurance, even if the law didn’t require you to (and in California, it requires you to).
In fact, the state of California takes insurance so seriously, that the California Department of Insurance keeps an average of rates. Here are some of the rates they have by company.
- Amica- $1,776
- Geico- $3,043
- Progressive West- $3,746
- Victoria Fire- $5,659
As you can see, insurance prices vary greatly from company to company, so it pays to consult several companies before making a decision.
Note that these are averages calculated by the California Department of Insurance, not quotes. So, Geico might have sold an insurance policy at $2,500 and another one at $3,000.
Another thing to consider when seeing this numbers is that they might not reflect your situation. These prices are given considering the following conditions:
- Standard insurance policy (as opposed to basic, which is the minimum required by law).
- Single male (as opposed to single female or with a family).
- Located in the Sunset District of San Francisco. This means that if you live in a much less populated area, your quotes will be lower.
- With 9 to 15 years of having a license. If your license is more recent, then your quotes will be lower.
- Annual mileage between 13,000 and 15,000 miles. Obviously, increasing or decreasing your mileage will affect your quote accordingly.
- Driving record. 1 at fault accident. If you’ve never had any accidents, you will be paying less for insurance.
- Vehicle. Honda Accord. Obviously, the type of car you drive will affect the price of the policy insurance.
Take these prices with a grain of salt. In fact, get in this site a real quote that reflects your situation. You’ll get a much better price.