Busy freeways and the congested suburbs of areas such as Los Angeles, San Diego and San Francisco can make Californian car insurance quotes much more expensive than they are in other parts of the United States. Finding the best-priced premiums can often be a difficult affair but effective comparison shopping can often help in finding competitive deals on auto insurance. Consumer magazines and websites, industry insiders and government resources all recognise the benefits of comparison shopping and motorists are continually advised to shop cautiously before making on a final decision on their list of auto insurance quotes.
Perhaps the most important aspect of comparing Californian auto insurance prices is the fact that there are a massive number of different insurers licensed to operate within the Golden State and most of these companies are offering different levels of coverage at completely different prices. Although premiums will inevitably vary because of the type of vehicle being insured, prices can be significantly higher if the driver is classified as part of a high-risk category. Insurance companies can base premiums on a number of different factors but young drivers, owners of performance vehicles and motorists with DUI or DWI violations will be punished the most on their car insurance quotes.
Although insurers universally apply their prices on a basis of risk, some will have individual experience of the problems that high-risk motorists present so the potential likelihood of a subsequent claim will be factored into a premium at the time of an auto insurance quote.