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High Risk California Car Insurance Quote

Getting a high risk California car insurance quote is easy online. Shopping around has never been easier and faster than it is right now. For anyone needing a high risk California car insurance quote, that is extremely important, because not every company offers policies to such drivers.

A variety of factors can contribute to someone being considered high risk. If you fall into this category, one thing is sure, your high risk California car insurance quote will be above the average in premiums.

Despite your status, it is important to honestly disclose everything when you are looking for high risk California car insurance quotes. To do otherwise risks policy cancellation.

High Risk California Auto Insurance Quotes: Minimum Coverage Requirements

Everyone with a vehicle must have car insurance, and in a big area like California practically every adult needs a car. According to California state law, the minimum insurance coverage an insured must have is at least: 

  • $5000 in property damage liability
  •  $15,000 per person
  • $30,000 per accident for bodily injury liability coverage.

When you fall into the high-risk category, even these insurance minimums can be costly.

High Risk California Car Insurance Quotes Are Necessary In Certain Cases

If you fall into of these categories, you may be considered a high-risk driver:

  • You have never had insurance previously
  • You have had numerous traffic violations and/or accidents
  • If you have had a period of time without insurance coverage
  • Being a new, underage, male driver
  • If you are over age 70
  • Too many demerit points on your driver’s license
  • Poor credit
  • If you have been convicted of driving under the influence

It is very important that you compare rate quotes from multiple insurance companies. Evey insurer has different underwriting standards. Just because you may be considered a high risk driver to one insurance company does not mean that the next insurance company you investigate will classify you in the same category. Do your homeowrk and you very well be rewarded with a very affordable California car insurance rate.

Steps To Take To Get A High Risk California Car Insurance Quote

If you suspect that you may fall into the high-risk driver category, you should nonetheless begin by getting quotes from a variety of auto insurers. Since every company has its own underwriting requirements, some may accept you, while others reject you. Companies like The General, GEICO, and Serenity Insurance advertise that they offer high risk car insurance policies in the Golden State. Make sure you get quotes from them in particular.

Use online quote tools like the one on this site to get a variety of quotes from different companies quickly.  It is the most effective way to get a good variety of comparable quotes in the fastest time possible because you only have to enter you information in once. Each company quotes you for the same coverage making it easy to compare results.

Look For Discounts To Reduce The Cost Of High Risk CA Auto Insurance Quotes

Even if you are considered a high-risk driver in CA, you can still get discounts on your policy. Some of the common discounts that are available in California include: 

  • Getting good grades if you are a student
  • Having more than one type of policy with the same insurer (i.e. auto and home)
  • Certain payment methods, like automatic funds transfers and payroll deductions
  • By taking defensive driving courses
  • Having safety features installed on your vehicle 

How To Obtain High Risk Auto Insurance Quotes Through The CAARP

The state offers an option for high-risk drivers. It is called the California Automobile Assigned Risk Program (CAARP) and is a high risk pool to provide insurance to people who have difficulty finding it. Since all car owners in the state of California must carry at least a minimum of insurance, the state has intervened to make sure it is available even to high-risk individuals.

The policies do not come cheap, but if you are having trouble finding coverage through regular insurance company procedures, you may want to make a CAARP application. All insurance companies who sell auto insurance in the state, must provide a certain number of CAARP policies.

Rates are the same at each company and a payment plan is available. You can fill out a form for CAARP coverage through a Certified Producer of the plan and leave the required deposit. The producer will forward it to CAARP and you will be assigned to a company.

Tips To Keep You From Needing High Risk California Car Insurance Quotes In The Future

Usually after a 3-year period of having a clean record, a driver can get regular coverage again. Here are some tips to help you get your good driving record back:

  • Do not drink and drive.
  • Drive cautiously and within the speed limit, using things such as cruise control to help you.
  • Work on improving your credit score, by not missing bill payments.
  • Always be alert when driving and try not to multi-task at the wheel. By not talking on the phone, putting on make-up, drinking, eating and adjusting the radio, you can lower your risk of being in an accident.
  • Go to traffic school. Show your insurance company that you are serious about being a good driver and they may even reward you with a discount.

Compare High Risk California Auto Insurance Quotes Now!

To get your high risk California car insurance quote right now, go to the top of this page and begin the process by entering your zip code.

Use our free tool to compare multiple insurance companies rates and make sure that you are getting the best value.

Get started finding high risk California car insurance now!

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