How to choose an insurance broker near you that provide solutions tailored to client needs? Whether you need a car insurance, home insurance, life insurance, business insurance, or some specific insurance plan, contacting a private insurance company (captive agent) directly can limit the number of choices available for you (the purchaser). We have some suggestions for finding the right insurance agent or independent broker in California. If wish to speak with an insurance agent or broker representing an insurance company in your state, you can browse our database
(list) of insurance agents in California, compare different profiles, write and read reviews and resolve questions of common interest. By using our service, you can check insurance agency website, detailed contact information or social networking sites.
- Ask for referrals, reviews and customer rating
- Decide lf agent's location is important
- Visit company or insurance agent website or call directly
- Check license status and look for credentials
- Meet and interview with various agents of your choice
- Before hiring an insurance professional, ask if he have ever been sued by a client
Reviews & license status inquiry
Once you find an insurance agent near you, it is very important to check their license status. Are you a consumer, and don't know the license number? You can browse all registered agencies with the name search
or use a direct search by license number
to find agent records. By using this service, you can review your agent's licensing history and gather detailed information about agents in your area.
The information provided in this guide (comment) is intended as a resource only and are not guaranteed. If you have any questions or need further information, please feel free to reply here or ask us directly through this question and answer form.
Find out more about the areas we can help you with. Browse a list of lawyers in California, healthcare centers, insurance agents, public schools or universities in the United States.
Who has the cheapest car insurance in California?
Many Californians are asking us, why is car insurance in California so expensive? The main reason for the high costs of liability insurance and auto insurance is the fact that it is a country with a high population density and the related higher number of traffic accidents. Countries with lower population and lower accident rates also have lower car insurance rates. Let's go back to the question of how to find the cheapest auto insurance in California.
We hear from all sides that shopping around is the key ... is that true?
To be sure that you will find and buy the best cheap car insurance in California, you will of course have to shop around for coverage. This means that the first step is to compare car insurance prices, or possibly finding the right insurance agent to help you find the right insurance policy.
The cheapest of the most popular
To be honest, there are also insurance companies with much cheaper policies, but their customer service is usually very poor quality with very negative reviews from customers. And, given the fact that customer service is one of the most important factors in choosing an insurer, these dealers are not listed in the "top 5". As you can see, the top 5 includes the most famous insurance companies in the United States. These insurance companies are definitely not trouble-free and not suitable for everyone. As you know, car insurance rates vary and lot depending on many factors, including: your age, exact location (city), previous driving history and even credit score. Remember that insurance rates can vary from one company to the next, as well as when buying from insurance agents, so it pays to compare as many car insurance quotes as possible before buying.
Best car insurance companies for veterans and military families
Veterans and their family members are usually well informed about discounts and bargains. To find out what the best car insurance companies in California are, please see the table below. This table lists the insurance companies that offer California veterans, military retirees and their families some kind of discount on liability and auto insurance. The discount on car insurance for veterans is usually between 3% - 20% depending on the insurance company and the applicant. Attention: some discounts are only valid in the listed locations of the United States.
Minimum insurance coverage needed in California - limits
Before you start buying and comparing car insurance prices, you need to know at least the minimum California car insurance coverage. However, many types of drivers, such as high-risk drivers with previous claims, should look for auto insurance with higher insurance limits and claims (in the event of a car accident). Keep in mind that California requires drivers (vehicle owners) to carry at least the following minimums:
Credit score & average auto insurance rates in California
Although credit score can be one of the factors that influence the final price of car insurance, it is different in California. Why? Because California outlaws the credit rating as an insurance rating factor. For some advantage, for others disadvantage. If you have a bad credit, your policy will not be directly affected and you will pay the same price for car insurance as the good credit owner.
What are the cheapest cars to insure among the popular models?
I'm sure you know what cars are among the most popular in California. The best-selling vehicles that run on California roads include: the Toyota Camry, the Honda Accord, the Nissan Altima, the Ford Fusion, the Honda Civic and more, as shown in the table below. These vehicles need to be insured. At least to meet national minimum requirements and limits. We have combined our own statistics with other studies to find out what are the cheapest vehicles to insure in California. We are sharing our knowledge with you right now. Note: this study is relevant for this year 2019 and next year 2020.