However whilst that might be the average, there are a lot of contributing factors which combine and influence the overall cost of the personal quote that you are given. Therefore if you are asking who has the cheapest car insurance in California? Or what is the cheapest car insurance in California? Then it is important to remember the key facts from your driving history that effect the rate of your next policy.

Driving Record

The better your driving record is, the better the price that insurance companies will be able to offer you. This means that if you do not have any serious traffic violations or have never been involved in any previous accidents then your policy will likely be lower than the average.

Location

Your exact location also plays in an important role in deciding your overall premium. Insurance companies use this information to make a judgement on the likelihood of the chances of your car suffering from vandalism, theft or accident.

Your usage

Another big contributing factor into the overall cost of your insurance is the amount you use it and the number of miles you drive throughout the year. The more you drive, the higher risk you are for insurers so they charge accordingly. Alongside that, commuting long distances or using he car just for pleasure also affects the cost.

Your vehicle

The overall cost of your car will also change the price of your premium, as will the engine size, the safety features installed and the costs of repairs.

Your Age

Your age will also affect the overall price of your policy, with younger people under the age of 25 facing higher charges.

Type of Cover

Your choice of coverage, from fully comp to third party fire and theft, will change the overall price of your premium as will the size of the excess you choose for your policy.

So whilst the average cost of car insurance might be around $1,600 there are a number of contributing factors which will change the overall price of your policy. By shopping around you will be able to find the best price on offer for your exact needs.

If you are wondering what is the cheapest auto insurance in California is or how much is car insurance per month in California, then here at Eugene C Yates we will be able to help you find the best results. As one of the leading insurance companies in Sacramento, we have been helping local residents reduce their annual premiums without reducing their cover.

Our highly experienced team will be able to work with you directly, helping you to enjoy the best automotive insurance coverage possible within a budget that you can afford. So get in touch with us today and find out how we can help you to lower your auto insurance rates.