California car insurance quote
Reader question:
Why is my California car insurance quote for my teen so high?
Amy
Thank you for your question, Amy.
I know the feeling. I didn’t drive very much when I wa a teenager, and since my mother didn’t have a car insurance policy, neither did I. Before I graduated from high school, I had managed to save up enough money to buy myself a car. It was cheap, several years old, a piece of junk all around, but in its hey day it had been considered a sports car, which was one of the reasons for why I liked it. Seeing as I now owned a car, I had to get a California car insurance quote.
The number blew me away. And it makes you wonder. Why is your California car insurance quote always going to be higher if you’re a teenager or if you’re the owner of a sports car, no matter how old?
It’s what the people who give you that California car insurance quote live by, and it’s called risk.
The way the car insurance companies see you is as a stack of risks. Think of yourself, your life, everything about you all boiled down to how likely you are to file a claim. Everything about you is related to this, and some things will get you a better California car insurance quote, and others will get you a worse California car insurance quote. There are some things you can do to lessen your risk, but it’s pretty much set in stone.
However, even stones can be chipped away. Just because you fall into a certain high risk group does not mean that every California car insurance quote you get is going to be the same. The California Department of Insurance imposes pretty strict rules on the car insurance companies, but that doesn’t take away from the fact that they are competing. So if one company is able to save its policy holders more money, then you will be able to get a better California car insurance quote there, regardless of your risk.
If you go shopping for a new California car insurance quote every time your risk changes, then you’ll save yourself hundreds, maybe over a thousand dollars a year.
Cheers,
Fashun Guadarrama.