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Get auto insurance prices online

Since California mandates you have must have car insurance, consider it a long term, high value purchase.  To get an accurate rate and policy, just enter your zip code above and click the brown go box to begin the short interview. There are a few questions, but these are needed to insure you do not get a rate up, or charged a higher rate later.

How much do you need?

Before you get rates, you need to choose your policy limits. New drivers will probably choose California state minima coverage, 15/30/5. That means each person injured would receive a maximum of up to $15,000 with $30,000 allowed per accident. If you get hit, whoever files first gets first access to the 30,000 limit. If the accident was your fault, you may be sued for amounts over those limits. The last number refers to the total coverage per accident for property damage which in California is at least $5,000.

 

It's easy to get quotes, it takes several minutes and you get rates from many companies.

If you read How much auto insurance do you need?, you can input the amounts you would like and see how that affects the 6 month and monthly premium. I hope by now you play around with more than minimal coverage. We all can't stay broke forever, and when the recession is over (as now), you want to protect your assets.

California Department of Insurance

Pretty inaccurate, the Dept. only gave me rates for 4 models (none of which I owned) . Also the rates were all jumbled, I think they were sorted by Alpha name of the insurer. Not very user friendly.

Using a broker

You do not want to sit in a car insurance brokers office for an hour like I did one sunny afternoon with two screaming young boys!

Go direct

You can still get quotes with direct writer through our website. And you should. Direct writers are Geico, Progressive, Direct General, etc. My experience, direct writers cost more, yes they cut out the commissions, but they spend millions on advertising. So it's often a wash. The service with direct writers tends to be outstanding, since they are closely monitored and available 24/7. Be careful who you are talking to, because it can be a high turnover, low wage, new trainee advising you.

Carriers (and their rates) differ greatly

My experience, the regional carriers offer the best combination of coverage, service and prices. Small can be good.

The people behind each insurer have different backgrounds and business philosophies, and they desire different customer profiles. Each has in their mind their ideal candidate and the requirements can vary greatly. They will try and earn that ideal customer's business and keep them a client for life. is that ideal customer you? Maybe. It all depends on what they are looking for. That's why it's important to get your hands dirty and get multiple rates.

High risk drivers

You will have a lot fewer carrier to choose from f you get a DUI, have multiple tickets, or accidents. Insurance companies avoid large potential loses. One wrongful death or serious injury lawsuit could wipe out profits from many customers. Fortunately, that seldom happens and the carrier is limited to pay out the maximum on the policy.

Getting multiple competing quotes is a very a convenient way to comparison shop for auto insurance. The service provides auto insurance quotes for all 50 states.

Shopping around for car insurance is a no risk way to save money. In some states you could complete the process and have your proof of insurance in 15 minutes!

The site is easy to use and our goal is to show you how much you can save with our services. You will save money and time compared to surfing multiple sites submitting redundant information. Our online car insurance quote interview takes just a few minutes and then we provide rates from companies that suit your needs. You do everything online.

It's easy to get rates from multiple companies or purchase at one place. Start your quote above to see how companies compete for your business. You could take up to 31% off your auto insurance premiums.

Our goal is to give you all the information and resources you need to simplify your auto insurance plan.

Written by Craig J. Casey

Financial Writer helping people with their insurance problems on the net since 1998.

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