California is home to over 37 million individuals. California premiums are higher than other parts of the country due to several high density population locations as well as increased accidents in those concentrated areas. Unlike some states that may have one or two major freeways, California is made up of some of the largest and congested freeways in the country.
The most common causes of high auto insurance rates are accidents and traffic violations. If you are involved in an accident, or are ticketed for speeding, your rates will increase because you are considered a high risk driver. Other determinants of high auto insurance are age, gender, geographical location and vehicle specs.
Although some of these characteristics are out of your control there are some things you can do to keep your premium down. If you do get a moving violation there is hope. Traffic school and/or an attorney can help reduce the points placed on your record. Another option is to bundle your insurance policies such as your auto and home, or your motorcycle and renters, can help reduce your overall rate for insurance.
Insurance Specialists has qualified agents with over 30 years experience in the insurance business. As an independent agency, we can compare rates from multiple insurance companies to find a policy that is right for you. The agents at Insurance Specialist are here to assist you in the process of purchasing insurance tailored to your specific needs and interests.
