There are many things to consider when looking for cheap car insurance quotes in Monterey, California. This article will provide you with information regarding the average car insurance rate in Monterey, California and factors that affect car insurance rates. Before you get started, take a look at the average car insurance rates in Monterey by ZIP code and company.
Average car insurance rates in Monterey
Auto insurance rates in Monterey are highly influenced by the type of vehicle you drive. The most popular car in California is the Toyota Prius, which is less expensive to insure than other types of vehicles. Sports cars, however, can have very high insurance premiums. To find the best rates, make sure to get multiple quotes from several different agents and compare the costs.
One way to lower your rate is to buy a family plan. Purchasing a policy that covers all of the drivers in the household will help to lower the total cost. Defensive driving courses can also save you money. These courses are often state-approved, and will qualify you for discounts. Another way to lower your rates is to stick with the same insurance company for several years. By doing this, you'll be able to earn multiple discounts for being a loyal customer and driving safely.
The average car insurance rates in Monterey, California depend on several factors, including the type of vehicle you drive and where you live. The type of policy you need is also very important, as is the amount of coverage you need. Other factors that will impact your rates include your driving record and your credit score.
Another factor that affects your rate is where you park your vehicle. Keeping your car in a garage in a safe neighborhood will lower your insurance premiums than leaving it on the street. Installing an alarm system in your car can also decrease your risk of theft. You can also lower your rate by using safety features such as air bags.
The average car insurance premium in Monterey is $3,346 per year. Purchasing a policy with Mercury Insurance will lower your premiums by $1,240. However, if you have been involved in an accident, you should check out AAA or Geico. The latter two insurance companies offer discounts for these factors. If you have multiple traffic violations on your driving record, you may be able to lower your rate by a few percent.
Choosing the right car insurance policy is critical for ensuring you get the best coverage for your money. Make sure to determine your budget before shopping for insurance. By knowing your budget and driving history, you can choose the level of coverage you need, and the type of insurance provider to choose. Some companies focus on liability insurance only, while others specialize in full coverage plans. Most drivers need something in between.
Average car insurance rates by ZIP code
Car insurance rates in Monterey, CA, can vary considerably depending on where you live. Your zip code and your state's requirements for minimum coverage can have an impact on the rate you pay. For example, drivers in the 93944 zip code pay higher premiums than drivers in the 93940 zip code.
Getting a quote from several Monterey car insurance agents can help you determine how much you can expect to pay. You can also get an online quote by inputting your ZIP code. You can then compare all the quotes and choose the one you feel most comfortable with. However, the cost of insurance depends on many factors, including your car model, risk level and driving history. In some areas, such as Detroit, drivers can expect to pay $5,000 or more for car insurance a year, while drivers in more affordable areas are likely to pay less than $1,000.
The age and gender of the driver also affects the cost of auto insurance. Young teen drivers typically pay more than drivers who are 25-44 years old. As you get older, your rates drop. However, they may start rising again once you reach retirement age. In addition to the age, gender and location, zip codes also affect the cost of car insurance.
Before shopping for car insurance, determine your budget. You can then determine what level of coverage you need. You can also decide on the type of provider to use. There are insurers that focus on liability insurance only, while others specialize in the most comprehensive plans. Most drivers need something in between.
While the costs of car insurance in California are significantly lower than in the rest of the US, drivers who drive less than five thousand miles a year can expect to pay as little as $92 a month. It is important to note that California is one of the few states that does not use your credit score as a rating factor. If you're a younger driver, however, it is best to go on your parent's policy or have another adult in the family on your policy.
Average car insurance rates by company
There are many factors that determine how much you pay for car insurance. One of the biggest is your driving record. Clean drivers typically pay lower rates than those who have tickets. One accident can increase your monthly bill by $64 or more. Having multiple tickets or accidents can push your rate up even more.
Other factors that influence your insurance rate include the type of vehicle you drive and its location. A parked vehicle in a garage will be cheaper to insure than one on the street. Investing in a vehicle alarm system will also reduce the risk of theft. Your zip code will also affect your insurance rates.
When shopping for car insurance, it's important to know what your budget is before you start your search. It will help you determine the amount of coverage you can afford and the type of insurance provider to choose. Some companies focus on basic liability insurance while others offer comprehensive plans. Most drivers need a plan that falls somewhere in between.
Insurance rates are also affected by your motor vehicle history. In California, a single speeding ticket can increase your premiums by as much as 40%. Having more than one incident on your driving record will increase your premiums even more. Inexperienced drivers can also experience more car accidents than older drivers. To avoid this, agents recommend that young drivers be enrolled in a parent's policy.
Gender is another factor in car insurance rates. Women generally pay less than men. However, this is not always true in Monterey Park. The average insurance rate for women is only about $45 higher than men. The difference is not very noticeable and is even more significant if you have children. If you have a lower credit score, you may also be more likely to pay more for your insurance.
Factors that affect car insurance rates
Insurance rates in Monterey California can vary significantly depending on factors such as the vehicle and its zip code. For example, drivers in the 93944 zip code are likely to pay the highest premiums, while those living in the 93940 zip code will likely pay the lowest premiums.
Age is one factor that affects car insurance rates. Younger drivers are regarded as higher risk, while older drivers tend to have a lower rate. Gender is also a factor. A male driver is generally considered a higher risk than a female driver. However, California has banned gender discrimination when it comes to car insurance rates.
The number of accidents a driver gets in a year can affect the rate that he or she pays for auto insurance. Teenagers, for example, are statistically more likely to be involved in a crash than older drivers, so their rates are higher. However, there are ways to reduce the rate. Insurers often give discounts for taking defensive driving courses, which are usually state-approved courses. It is also important to stay with the same insurance company for several years. This will help you earn multiple discounts for being a good customer and safe driver.
The type of car you drive is another factor that affects your car insurance rate. Insurers consider the cost of repair and replacement parts and determining your monthly premium. Insurers also look at your driving history. If you've had several accidents, or have multiple traffic violations, your premium will be higher.
Fortunately, there's an app that can save you time and money by comparing multiple Monterey California car insurance quotes in seconds. Using an app like Jerry will help you find the best coverage at the lowest price. It will automatically compare multiple insurance companies, including Geico and United Financial.
In California, Geico has the cheapest car insurance in the state. Geico's minimum liability policy costs about $390 annually, which is 35% less than the statewide average. Geico's rates also include collision, comprehensive, and property damage coverage.