Allstate must cut California auto insurance rates by 15.9%
According to the LA Times, Allstate was ordered to cut auto insurance rates in California by 15.9%. Allstate covers about 10% of California drivers. And with well over 36 million people in California as of 2005, that’s a huge amount of cars.
The auto insurance rate cut in California will mean car insurance will be cheaper by about $124 a car. Another way of looking at it is Allstate will be loosing an average of $124 a car. Multiply that by the millions of cars Allstate insures in California and that’s a huge chunk of change Allstate is losing.
The mandate for Allstate to lower rates is another move the California government has made to help California residents find cheaper auto insurance. The mandatory rate cuts for auto insurers started in 2006 and seems to be continuing.
What does this mean for you? More cheap California auto insurance on the way!
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Car theft affects your auto insurance rates in California
You may think you can get cheap California auto insurance because you have an older automobile. But that’s not always true.
People tend to think that an older car means cheaper auto insurance rates for them because older cars are less valuable and are stolen less often.
This is not true. People with more expensive cars tend to live in nicer neighborhoods. And nicer neighborhoods tend to have a lower crime rate. So theft on newer and nicer cars tens to be lower in California than theft on older cars.
Here is a list of the 10 most stolen cars in Golden State in 2005:
1. 1991 Honda Accord
2. 1995 Honda Civic
3. 1989 Toyota Camry
4. 1994 Nissan Sentra
5. 1990 Acura Integra
6. 1986 Toyota Pickup
7. 1993 Saturn SL
8. 1987 Toyota Corolla
9. 1990 Chevrolet Full Size C/K 1500 Pickup
10. 1997 Ford F150 Series
Notice that the newest model car is a 1997 ford.
So when trying to get the cheapest auto insurance rates in California, having an older car may not always be to your advantage.
Keep in mind that there are other factors that count for your auto insurance rate. Some cars tend to have more accidents than others. That could cause auto insurance rates to go up as well.
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The California Low Cost Auto Insurance Program
Did you know that finding cheap California auto insurance should be easier than you think? California has a program called the California Low Cost Auto Insurance program (CLCA) for qualified drivers. The program was started in 2000 for residents of Los Angeles County and the City and County of San Francisco only, but has since expanded.
The idea behind the program is to keep as many uninsured drivers off California roads as possible. California would rather subsidize insurance costs than to deal with the problem of having uninsured drivers, which can cost them more in the long run (costs of keeping people in jail, judging cases, etc).
Qualification for the California Low Cost Auto Insurance Program is based on a number of things:
1. Your income must be lower than the following: 1 person = $26,000, 2 persons = $35,000, 4 persons = $53,000, 8 persons = $89,000.
2. You must be a good driver and have no more than one at-fault property damage. only accident or more than one point for moving violation in the past three years.
3. You cannot have an at fault accident involving bodily injury or death in the past 3 years.
4. You must be least 19 years old
5. You have to have been continuously licensed to drive for the past three years
6. You must have a vehicle valued at less than the $20,000
How much will the CLCA cost?
You can get auto insurance through the CLCA for as little as $400 a year. That is significantly cheaper than regular auto insurance rates in California.
What does the CLCA cover?
The liability limits are $10,000 bodily injury or death per person, $20,000 bodily injury for each accident and $3,000 property damage for each accident. The limits are less than the mandatory limits required in California of $15/30/5, but purchasing these lower limits will satisfy the state’s current financial responsibility laws. Optional Medical Payments and Uninsured Motorist Bodily Injury Coverages are also available, but no Physical Damage Coverage is offered.
For more information on the California Low Cost Auto insurance program call 866-60-AUTO-1 (866-602-8861)
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California laws to help you get cheap California auto insurance
When looking for cheap California auto insurance you must know your rights as a consumer. California law has strict rules insurers must adhere to when providing insurance service.
According to California law (Assembly Bill (AB) 2677, effective January 5th, 2005) California auto insurance companies are obligated to provide you with the cheapest auto insurance rate that you qualify for. The California law states:
“… every admitted insurer selling private passenger automobile insurance policies to provide consumers with a cost estimate of its lowest priced personal auto policy at the limits the consumer requests and for which the consumer is eligible. This mandate may be met by either (1) maintaining a toll-free telephone and/or (2) maintaining an Internet Web site where consumers can obtain a cost estimate or be referred to an insurance agent/broker who will provide the estimate.”
The California state law on auto insurance also requires that auto insurers provide their phone numbers, and or website to the California Department of Insurance.
To ensure you get the cheapest auto insurance rate available to you in California, be sure to take advantage of these laws and request the lowest auto insurance quote available to you in California.
For a list of California auto insurance companies click here.
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Farmers Insurance Group
California Auto Insurance Guide > Directory > Lancaster >
Farmers Insurance Group
43619 17th St W
Lancaster, CA 93534
Phone: (661) 948-3249
www.farmers.com
If you have used Farmers Insurance Group, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Friends Insurance Services Inc.
California Auto Insurance Guide > Directory > Downey >
Friends Insurance Services Inc.
12555 Lakewood Blvd
Downey, CA 90242
Phone: (562) 923-4400
If you have used Friends Insurance Services Inc., please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Automobile Club of Southern California
California Auto Insurance Guide > Directory > El Monte >
Automobile Club of Southern California
3534 Peck Rd
El Monte, CA 91731
Phone: (800) 397-4530
www.aaa.com
If you have used Automobile Club of Southern California, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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A Watanabe Insurance Agency
California Auto Insurance Guide > Directory > Costa Mesa >
A Watanabe Insurance Agency
419 E 17th St Suite 204
Costa Mesa, CA 92627
Phone: (714) 580-6871
WWW.FARMERS.COM
If you have used A Watanabe Insurance Agency, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Iriana Insurance Services
California Auto Insurance Guide > Directory > Van Nuys >
Iriana Insurance Services
5902 Van Nuys Blvd
Van Nuys, CA 91401
Phone: (818) 909-7486
If you have used Iriana Insurance Services, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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State Farm Insurance Co.
California Auto Insurance Guide > Directory > Chula Vista >
State Farm Insurance Co.
345 F St
Chula Vista, CA 91910
Phone: (619) 426-8352
www.statefarm.com
If you have used State Farm Insurance Co., please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Farmers Insurance-John Checkers
California Auto Insurance Guide > Directory > Grand Terrace >
Farmers Insurance-John Checkers
22737 Barton Rd
Grand Terrace, CA 92313
Phone: (909) 824-6500
If you have used Farmers Insurance-John Checkers, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Automobile Club of Southern California
California Auto Insurance Guide > Directory > Hemet >
Automobile Club of Southern California
450 W Stetson Ave
Hemet, CA 92543
Phone: (951) 652-6202
www.aaa-calif.com
If you have used Automobile Club of Southern California, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Johl Sarbjit and Parmjit
California Auto Insurance Guide > Directory > Marysville >
Johl Sarbjit and Parmjit
9274 State Highway 70
Marysville, CA 95901
Phone: (530) 741-3779
If you have used Johl Sarbjit and Parmjit, please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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State Farm Insurance Co.
California Auto Insurance Guide > Directory > Glendale >
State Farm Insurance Co.
514 W Glenoaks Blvd
Glendale, CA 91202
Phone: (818) 500-0298
www.statefarm.com
If you have used State Farm Insurance Co., please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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Davis Insurance Services Inc.
California Auto Insurance Guide > Directory > Inglewood >
Davis Insurance Services Inc.
2439 W Manchester Blvd
Inglewood, CA 90305
Phone: (323) 753-1161
If you have used Davis Insurance Services Inc., please leave a comment below rating your experience with their auto insurance services. Also, be sure to check our list of the worst auto insurance companies in California.
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