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What are the Factors that Affect the California Car Insurance Rate of Teen Drivers

Every age group has many different effects on car insurance in CA rates and costs. That is because each and every age group has a different amount of experience, different style of driving and probability of being in an accident and a different probability of causing one. The age group of the person who wants to get insurance indeed affects the insurance costs and the insurance premiums. All that differs is that each and every age group has different effects on the insurance policy. Some age groups require the insurance company to raise the insurance costs whereas some require the insurance company to give the insured a break and decrease the amount. A person must be careful when they are in certain age groups such as the teenage and they should find the insurance company that provides them with special discounts and extras when something are accomplished that proves that teenager is responsible.

Here are some effects that being a teenager can have on car insurance rates and how being a teenager can affects car insurance.

1.            Insurance company deems most teenagers as irresponsible- Most insurance companies deem teenagers as irresponsible and immature which means that they don’t believe teenagers can handle insurance. That is why getting independent insurance policies for teenagers can be a hassle and that is also why getting independent insurance policies for a teenager costs so much. Most teenagers drive rough and are more prone to accidents because they are known as the ‘dangerous driver’ and they are also noted to be inexperienced. The company does not want these kinds of drivers to be insured by them because if they cause accidents, the insurance company will have to take care of them. There are very less insurance companies that think differently and deem teenagers to be responsible and mature.

2.            The increased risk- When a person is in the teenage and visits an insurance company to get car insurance in CA or their respective state, the car insurance representative first works out the probability or likelihood of them being involved in an accident or causing one, depending on the type of insurance policy they opt for. With a teenager, the insurance representative estimates the likelihood as being too high just because they are known to drive rough. Most insurance companies believe that teenagers are the drivers that are the most prone to accidents.

3.            The lack of experience- There is no doubt in the fact that teenagers are the most inexperienced drivers that exist. That is because obviously when a person starts doing something, they have zero or little experience in it. Teenagers have a distinct lack of experience when it comes to driving but they can cover it up if they choose to be good drivers and drive safe on the road. If they don’t, it will cost for their car insurance a lot.


You can now compare California car insurance quotes by simply entering your ZIP code in the box at the top of this webpage.

Implications of DUI and DWI Laws on Car Insurance in California

Things are changing rapidly with time, the cases of drunken driving are increasing and to turn things around, the state of California have brought fresh, more stringent laws to cope up with this scenario. The California car insurance laws compliment these very laws.

The laws, which are in place to tackle these issues, are the DWI (Driving While Intoxicated) and DUI (Driving under the Influence) laws. However there are a few more laws for drunken driving, but the mentioned two can have serious implications on the driver if found in a woeful state. Considering that, you have been found with an alcohol level of 0.08% or higher, it could lead to suspension of license, but not just this, it can also make your future course a costly affair, and you might have to keep on going paying hefty fines and liability charges in case you don’t have Car Insurance in California.

For a first time offender, a DUI offense leads to a probation period of 36 months, a penalty after assessing the assets. They also ask the offender to complete an offender alcohol program (AB 541). However, since 2010, stricter laws have taken place, which imposes the installation of IID device in the offender’s car.

IID means Interlock Ignition Device, it is a device developed to check the cases of drunken driving. It is a breath analyzer, which determines the alcohol content in your blood levels, and stops the car ignition if it exceeds the designated level. It stores all history which helps to make a stronger case against the offender by knowing how often one is drunk while driving. A digital log stores the past evidences, and if it seem to the system that the levels are high, then the car will not start and cannot be operated. However, one might think getting from it is by tampering it, but the device even keeps a record of that, and the information is passed to the competent authority. This system has not gone well down the line and is likely to be abolished. It is also very costly and is a burden on the user. It has both monthly and one time charges altogether, which makes maintenance very tough.

However, throughout any time if you feel yourself to be a victim and not the guilty one, then you ask for a trial by jury, as per the constitutional rights. You will get ample time, when you must find yourself a good attorney with loads of experience and a clear-cut knowhow on the loopholes in the present laws. CA DUI Laws lay down heavy fines on offenders with hefty fines crossing $2000 at times and jail terms up to a year are imposed.

There might be many attorneys in the US but you must find yourself a good one, who can turn the case in your favor, sometimes when you have dealt unfairly, the attorney might draw references to the constitutional rights as well as the on field officer’s mode of conduct, or the authenticity of the test and the device.

It is expected that all owners have Car Insurance in California to pay the liabilities due, and car insurance laws in California enforce this very thing. One can get instant insurance quotes by just entering their zip codes.

Auto Insurance Quotes in California and the Relevant Laws

Car insurance is necessary when you own a car in California. However, getting the best quote can be a tedious and time-consuming task. You need to be aware of all the laws and its corresponding restrictions. This is necessary in order to know about all the car insurance requirements. In addition to this, car owners face a lot of trouble to choose the right dealer whom to get the insurance from. Under the current circumstances, you would find a plethora of insurance agents who would be clamoring at your doorsteps with their respective deals. Choosing the best-suited one requires knowledge as well as correct decision making.

There are a number of requirements in the Car insurance industry. The California DMV has set forward a set of well laid out rules and regulations which citizens of all ages need to abide by. For example, the minimum requirement for insurance companies has more than three components. It has to pay at least 15000 USD for the injury or death of a single person. For the injury or death of more than one person, a claim of 30000 USD can be made. Damage to someone’s property can have a claim of up to 5000 USD. All these factors need to be kept in mind by the car owner before he/she goes in for the car insurance in California. These are essential so that you are not kept in dark by the insurance agent and you can get the maximum benefits reaped out of it.

Under the current circumstances, many agents might charge you extra money for the benefits of the insurance that their company provides. Thus, you need to locate the best car insurance quotes so that you do not end up paying more.


One more thing you should keep in mind is that the car insurances in California State vary from person to person. It depends on your history, your age, your previous driving experience and a host of other factors. The other problem is two people with the same records and with the same coverage can end up paying different sums for their insurance. This is because of the quotes that differ from person to person.  Thus, whether you are a person who is taking up a new insurance or renewing your old one, you need to be extra careful.

This is where this website comes in handy. Visitors can enter their zip code followed by some basic background data and get the car insurance checked. It is that easy. No need to run after the agents or carry out an extensive market research. No need to pay more. Just try out these magnificent insurance matching services and rest assured get the best deals in town.

So start now. Enter your zip code and find out which deal suits you best. No need to pay more than required for the car insurance in California. Pay less and get the best benefits out of this service. Enjoy a happy and safe driving experience.

An Overview into the California Auto Insurance Laws

The laws for auto insurance in California are contained in the California Insurance Code. These are the laws in California concerning insurance matters that have been coded. Enforcement of the laws is overseen by the California Department of Insurance while executing its policies too. Laws may differ from state to state and so understanding the laws that apply to you especially if you are in California is paramount. There are regulations and rules that apply to most states generally but some apply to the state of California specifically.

It is mandatory for all motorists in California to have liability insurance in case an accident was to occur. This essentially covers the compensation (in monetary terms) of the other parties involved in the accident and as a result, got injured or their property destroyed. Auto insurance in California is guided by laws that require all vehicles, parked or operating on any road, have car insurance. Proof of monetary responsibility may also suffice. It must be on file that one can be able to pay for damages in case of an accident. This applies even to vehicle owners who do not drive their cars. They must have some sort of minimum liability insurance or a method of paying for damages approved by the state of California.

There are three methods that the California Department of Motor Vehicles accepts such financial responsibility. The first is a surety bond of $35,000 from a company licensed in California and can be found easily by searching at the Department of Insurance. The second is a cash deposit of the same amount given and possessed by the California DMV and lastly a self-insurance certificate from the California DMV.

If a vehicle owner takes up a liability insurance policy in California, then the minimum requirement for the insurance that can cover the cost of damages to property is $5,000 while injury or death to an individual requires a minimum of $15,000 and $30,000 for more than one person injured or killed in an auto accident.

The California car insurance law is also clear on policyholders that cancel their policy and do not register with the department of motor vehicle within a period of 45 days. In such a case, the law states that the vehicle’s registration will be suspended. This is also the case when the vehicle is sold to another owner,and the new owner does not submit the car insurance information to the California DMV within 30 days since the vehicle got the new owner.

Failure to comply with these auto insurance laws in California can lead to penalties that range from a $200 ticket for first offenders, rising all the way to $1,000 for repeat offenders. To make matters worse you may have to pay for the damages personally and even have your car taken away from you.

Always stay insured and find the best and cheapest auto insurance coverage in California by entering your zip at the start of the page and compare California insurance companies and the offers they have.