For those that are living in California or are considering a move to California they are going to find that the state auto insurance is going to be some of the most expensive that is out there. And the insurance rates are going to vary greatly from city to city. Those huger metropolitan cities are going to have higher rates due to the fact that they are tons of more drivers in the area and that there are more than a few accidents in the area, which affects every driver in the area, not just the driver who was involved in the accident. The average premium that people are paying in the state of California is around twelve hundred dollars for a six month period for one vehicle. However, when looking at the city of Los Angeles, the person could pay as much as sixteen hundred dollars for the same coverage that someone in San Diego would only pay the twelve hundred dollars for. Thus, the location that you are living in does have a huge impact on just how much you pay. Those that live in Long Beach, another popular area in California are going to pay on average around fourteen hundred dollars for their six month period of insurance.
The state does have minimum requirements that must be met in order to be driving on the roads legally. If the person is found to be driving without insurance or without the minimum coverage they are going to be fined, possibly lose their license depending on how many points are on their license, and they will find that their insurance could sky rocket due to this. Not to mention that their car could be impounded and cost quite a bit to get out of the impound lot. The minimum requirements that must be kept on the car are $15,000 for the injury or death of one person, $30,000 for the injury or death of more than one person and $5,000 in property damage. The property damage is one limit in which most people increase since most of the homes that are located throughout California are going to cost more than five thousand in damage no matter what the person hit, were it be a fence or a mailbox. Thus, people want to make sure that they are prepared for whatever may happen.
In order to lower the rates that the person gets on their California auto insurance policy, they are going to find that there are many discounts that they can get. For example, some companies are going to offer good driver discounts for those that have not been involved in any accidents. However, if the person wants to have more control of what they are paying, then they should pay close attention to just where they are living. They are going to find that some areas are going to cost less, thus these are the areas in which they should house their car. The amount of driving time that the person does will also affect the cost of the policy that the person is getting. Those that do not drive tons of miles each day to get to work are going to find that they can lower their premium quite a bit with this option.
Overall, the insurance in California is going to cost quite a bit simply because the state is so huge and there is such a huge population in the area that accidents are something that are a given. In fact, you would be hard pressed to find someone that has not been involved in some kind of fender bender during the time that they have been driving. For those that have young drivers in California, it is not uncommon for teens to not get their licenses until they are eighteen simply because the rates are going to go up so much and parents simply cannot afford this. However, there are still discounts for young drivers that the parents may want to consider in order to get the lowest rate that is possible.