Affordable auto insurance is something everyone wants. When it comes to obtaining coverage, your policy, terms, and even your premium will differ from anyone else. Why is that?

A variety of factors go into determining what you’ll pay for auto insurance. Each person’s needs are very different, of course, but there’s also the component of your specific level of risk. Here’s a look at some of the factors we, and other auto insurance providers, use to determine what your premium, or cost, will be. These will impact average California car insurance rates.

#1: Your age and gender

Younger, inexperienced drivers are likely to pay a bit more than experienced drivers. Younger male drivers, in particular, are likely to pay more. This is simply due to statistics related to who causes accidents.5 Factors That Determine Your California Automobile Insurance Premium

#2: Your driving record

Those who have more moving violations will spend more on auto insurance premiums than those with fewer. The safer a driver you are, the better.

#3: The type of car you own

The more valuable, rare, or customized your vehicle is, the more expensive it can be to insure. Your auto insurance plan needs to be based on the value of your vehicle specifically. It also needs to reflect the way you use your vehicle.

#4: Your claims history

Most drivers don’t realize that their claims history matters. Those who have filed numerous claims may need more customized coverage that’s a bit more.

#5: The discounts you qualify for

Are you getting all of the discounts and rewards you deserve on your car insurance? What determines your automobile insurance premium most is who you work with. The best auto insurance companies offer fantastic discounts to save you money.

Compare car insurance quotes from different companies. When you do, you’ll see just how different your pricing can be. The best policy meets your needs and keeps your costs in line with your budget. Let our team help you find the best combination of features. Contact us today for a free consultation and no obligation quote at 714-258-2800 or 888-725-7776.

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