As an auto owner/driver, having car insurance is the best way to play safe in auto-related matters. If you live or work in California, this article will guide you on finding the best car insurance in California.  A serious auto matter arising for someone without car insurance can be really costly, depending on the incident magnitude. Having car insurance has a lot of benefits. Car repairs, car replacement, third party liabilities, no claim bonus, peace of mind, personal accident cover, and so on are some of the things on the car insurance benefit list.

Majorly there are two types of insurance coverage, the minimum coverage and the full coverage. The minimum coverage is also known as liability-only coverage.  The minimum insurance coverage each state is determined by state law in each US state. Therefore, the minimum insurance coverage of one state may actually not work in another.

Most US states law requires some minimum auto insurance levels, and California is not an exception to this order. Bodily injury liability and Property damage liability are the 2 basic auto insurance coverages.

 Added to the list are insured motorist bodily injury coverage and Uninsured motorist property damage coverage in some areas such as San Diego.

California requires for its drivers to carry according to the state’s law associated. Statistical facts available from various studies and the California Department of Motor Vehicles claims   reveal that California has the highest number of licensed drivers among all the states in the US. 26 million driving age people (making 84%) of the California population are licensed drivers.

It is one thing have car insurance but another thing to have the best among the rest, the ideal and perfectly fit one that suits the drivers plans, budget and auto insurance needs.  There are factors to consider before choosing one from the auto insurance pool of options available. Some of them are services rendered, customer satisfaction, discount giving, and cost effects. The company’s financial health and capability is also worthy of being given rapt attention. 

Apart from the cheap cost, there are four important coverages good car insurance must have. They are bodily injury coverage, property damage coverage, collision coverage and comprehensive coverage. Are you a California driver or you are a driver planning on moving into the state? Are you wondering about the best insurance choice for you in CA? One that gives you all the security you want and maybe extra while granting you amazing discounts without damaging your pocket? Welcome to the right place! Here the 3  at the top of the best auto insurance list in California are highlighted and discussed, and you can be sure that any choice made from the pool here is a save and smart one, which you need not lose sleep over at any point in time when unwanted auto issues rear their head. If your car is insured with any of these, it’s one less worry for you in entirety for the duration of the insurance policy cover. Here they are;

  • Geico
  • CSAA
  • Farmers

GEICO

It’s hard to find a list of the best insurance companies in California and any US state without Geico making it in. Geico is popular for its cheap pricing more than its good services. It’s sometimes acclaimed to be the cheapest auto insurance provider in the US. Geico’s minimum annual coverage cost for California is $433, while the full coverage cost amount is $1,175. 

second largest and third best auto insurance in the US with 35.s billion written premium Geico boasts of 13.8% market share. Geico offers the cheapest quote for insurance after accidents and 30-40 year old drivers. It also features on the list of cheap car insurance for other driver age grades even though it’s not at the top of those.. 

Geico is one of the auto insurance companies with the cheapest full coverage cost for drivers with accidents on their record. Therefore, if you belong to this group, you may actually want to give Geico a consideration. The others are Auto Club and Mercury.

Geico’s coverage list in its auto policy services are;

  • Coverage types by Geico car insurance are:

Liability coverage: 

  • Bodily injury liability
  • Property liability

Medical Coverages:

Vehicle Coverages  :

  • Collision Coverage
  • Comprehensive Coverages

Uninsured Motorist Coverage

  • Uninsured Motorist coverage
  • Underinsured Motorist coverage

Additional Auto Insurance Coverages

  • Emergency Road Service
  • Rental Reimbursement
  • Mechanical Breakdown Insurance

With Geico, you get to save over 15% of your insurance car policy. Some discounts offered by Geico are:

Discount Potential Savings           Categories

Good Student15%Driver’s Education
New Vehicle Discount15%Vehicle Equipment
Good Driver22% (Five Years Accident-Free)Driving History & Habits
Anti-Theft System23%Vehicle Equipment
Daytime Running Lights3%Vehicle Equipment
Driver’s Educational CourseVariesDriver’s Education
Seat Belt UseVariesDriving History & Habits
Defensive DrivingVariesDriver’s Education
Federal Employee (Eagle)12%Driver Affiliation
Emergency Deployment25%Driver Affiliation
Membership & EmployeeVariesDriver Affiliation
Military15%Driver Affiliation

Why Geico

Customer service convenience via online solutions is one of the major factors that stands Geico out among the rest car insurance in California This is exactly the reason why its baffling to see Geico’s complain index standing at 0.92%. Even thought that is not up to the 1.0% national average, it’s still somehow puzzling as many insurers not offering better services than Geico aren’t close to that figure. That aside, Geico score high in all other areas. Another drawback with Geico is the fact that it has very few person offices when put side by side with other large insurance. For example, an insurance firm like State Farm has about 18,000 agents nationwide, while Geico only boasts of 150 locations nationwide. Perhaps this is due to being over-reliant on its customer friendly easy-to-use online tools. Perhaps this also contributes to the company’s customer complaint level. However, some things are certain. Geico is financially solid. Geico has great customer service. Geico has the best online tool s with great ease of usage. its mobile app has more features and is better reviewed than the apps currently offered others like Progressive, State Farm and so on. Geicos prices are super excellent on the cheap side. To sum it up, Geico is one of the best and safest auto insurance havens in Los Angeles.

CSAA

Over 17 million AAA members are served by CSAA (California State Automobile Association) insurance, a top casualty and personal lines insurance company, California that’s one of the largest members of the AAA. Its headquarters located in Walnut Creek, CA. 

CSAA offers one of the best car insurance services to its members in CA. Its minimum coverage price stands at $ 454, while its maximum coverage cost is 1,999. however, it’s a higher quote for drivers with accident records. CSAA offers are greatly appealing, especially for those who are already AAA club members. It is one of the cheapest and best insurance auto insursance in CA.

Coverages offered by CSAA 

  • Collision: Collision coverage pays for damage to your car in an accident. 
  • Bodily injury and property damage liability: This pays for the property damage and of the other party when you are at fault in an accident. 
  • Comprehensive: It pays for your car’s non-collision damages, It also pays for damages from a collision with an animal. 
  • Medical payments/personal injury protection: Medical payments and personal injury protection (PIP) coverage cost covers medical care for people in your car in an accident, regardless of who is at fault. 
  • Uninsured/underinsured motorist: Uninsured/underinsured motorist coverage pays you compensation for medical and car repair costs when the other driver is at fault and lacks adequate car insurance. 

There are some other extra beneficial coverages offered by CSAA that are exclusive to some particular areas, and many times, CA gets to be among the lucky ones. Sometimes, the benefits are included in standard policies, albeit, with an additional fee. The coverges are:

  • Rental car reimbursement coverage: While your vehicle is being repaired after an accident, the Rental reimbursement coverage pays for a rental car. Some providers also allow you to use rideshare credit instead of a rental car.
  • Rental car coverage: It covers you if you damage a car you’ve rented. 
  • Accident forgiveness: Accident forgiveness keeps an accident from bumping up your insurance premium if you’re an otherwise safe driver. 
  • Gap insurance: gap insurance covers the difference in cost between your car’s replacement cost and the amount you owe on your lease or loan if it happens that your car should be totaled. 
  • Nonowners insurance: For those who if they ever get to drive, don’t have car, Nonowners insurance provides liability coverage.
  • Pet coverage: Pet coverage pays for the costs of your pet’s medical care if it is injured in a car accident. 

Discounts offered by CSAA

  • Multi-vehicle discount: 27.3% 
  • Select professionals/alumni associations: 7.4% 
  • Loyalty discount: 5.6% 
  • Good driver discount: 20%. 
  • Verified mileage discount: 19.1% 
  • Student away discount: 46.7% 
  • Driver training discount: 4.7% 
  • Car club discount: 5% 

Reasons to choose CSAA 

CSAA may be somehow classically segregative and favourable to the AAA members, but in states such as CA where it is available, the rates are quite affordable with fat perk of benefits. If you are a driver with an AAA club membership, you are sure to have solid discounts which may not be available to those out of the group.

CSAA’s app has good insurance related features in California such as digital proof of insurance in case of a pull over or an accident.

Finally

You here have three of the best auto insurances available in California, and their capabilities. It’s sure any choice made among the 3 is safe, but it’s obvious some offer more security than others. If I were you I’d go for the one with the best security for my auto needs, and here it’s obvious perhaps even to the blind which one that is.all in your hands now.

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