California Auto Insurance Companies

California auto insurance companies look at anything that will help them determine what kind of risk you are as a driver. Statistically, married people are less risky than singles, so single people pay more for insurance. In addition to your marital status, auto insurance companies also look at how old you are, what your occupation is and where you live.

Personal characteristics like your age or marital status are either impossible or hard to change. But California auto insurance companies also consider things that you do have more control over. For example, how much you drive and how safely, affects your premiums. But even if you've had an accident or gotten tickets, you might still get a discount if you take a safe driver course.

Something else that you can control is what kind of car you drive. California auto insurance companies know that certain popular cars are more likely to be stolen than less popular cars. And expensive cars will usually cost more to repair. So if you choose cars that are cheaper to repair and don't appeal to thieves, you can save money.

Besides how you drive and what you drive, California auto insurance companies base your rates on what kind of coverage you want. An item that can save you significant money is the size of your deductible for collision and comprehensive coverage. Collision insurance pays for damage to your car caused by an accident and comprehensive is for damage or loss from any other cause. And by increasing your deductible, you can get substantial savings.