East Coast Auto Insurance vs. West Coast Auto Insurance

It’s no secret that auto insurance premiums differ all throughout the United States,  Although it might not seem fair, some regions of the country have higher priced monthly plans when compared to other locations.  For example: auto insurance rates are generally more expensive on the West coast when compared to the East Coast.  There are a few main factors that contribute to the truth of this matter.

California Auto Insurance Factors

Possessing the fifth highest car insurance premiums in the country, the state of California averages around $1,800 per year for auto coverage.  There are a variety of contributing factors that give California reason to produce some of the nations highest monthly plans.  One of the biggest factors is that residents of California are known to drive more and longer distances, which means they are on the road almost twice as much as Massachusetts residents.  Whether it’s a longer commute to work or covering a longer distance to visit friends, almost the entire driving population in California does so using their motor vehicle.  Because of all the extra driving, more insurance claims will inevitably be filed.  Another reason why California auto premiums are higher than those in Massachusetts is because of the amount of coverage that is required to operate a motor vehicle.  In fact, it has been outlined that California insurance companies require a minimum coverage of $5,000 for property damage, $30,000 for death or injury of multiple people and $15,000 for death or injury of a single individual.  You can compare Baltimore rates here.

Tips for Finding the Lowest Possible Auto Insurance Rates

Unfortunately, there is no way for California residents to avoid paying such high monthly premiums for their auto insurance.  Luckily, with the proper research, there are a few ways to lower the monthly rates as much as possible.  One of the best ways to find a lower auto insurance policy is by doing some extensive research.  By searching online and comparing a variety of different providers, you will undoubtedly be able to find a company that will give you the best possible monthly premium.  A great benefit of using the internet to search for auto insurance quotes is that it’s not that time consuming and can be done with very little difficulty.  In addition, the type of vehicle that you drive will enable you to receive a lower discounted auto rate.  Generally speaking, insurance companies will offer lower monthly premiums for people that drive safer vehicles.  Some cars that are considered to be more safer than others include minivans and SUV’s.  Another tip that will help you save money on your monthly plan is to make sure that your driving record is clean with no previous driving violations or accidents.  By having a lot of negative reporting on your driving record, auto insurance companies will automatically start giving you the highest rate possible.  Even if an accident or violation was many years ago, each negative finding on your record could result in a higher monthly premium.