California Auto Insurance California Department Of Insurance

Welcome California Auto Insurance consumers. We understand the concerns that you have trying to get insurance when you have had a few tickets or accidents or even some credit problems that may put you and your family in need of a different Insurance Policy with coverage's that may need to adjusted up or down. This website will help you locate the appropriate free low cost auto insurance rate quote online that you need regardless of what insurance record you have had. California Certified Producer Agents are available to help you.
If you would prefer to have some professional help from local California car insurance agents Click Here to go to quote form.

Research California Free Car Insurance Quote Options Below.

                Money Savings Options are available now.

The California Automobile Assigned Risk Plan (CAARP) administers the state's assigned risk insurance plan for drivers otherwise unable to obtain insurance and is designated by state law as the administrator of the California Low-Cost Auto Insurance Program. The Department of Insurance has regulatory oversight over the program.

Only CAARP-certified agents or CAARP-certified brokers are authorized to accept applications for the Low-Cost Auto Insurance Program policy. There are approximately 7,500 agents and brokers that are CAARP-certified in the two pilot counties of Los Angeles and San Francisco.

CAARP was created to provide auto insurance for motorists who are unable to obtain coverage in the conventional market due to their driving records or other extraordinary circumstances. The Plan assigns drivers to private insurers based upon each company's share of the auto insurance market in the state.
What steps can I take to reduce my CA Automotive Insurance rates? A car insurance company in California may often discount their rates in order to encourage good driving practices and the use of safety and security precautions.
Depending on the insurance company, you can often lower your rates from 5 to 55 percent. Sometimes the investment you make in your vehicle is worth the discount, and sometimes it's simply worth some peace of mind.
For example, the purchase of anti-lock brakes merits a discount from nearly every insurer, but the discount probably will not pay for the brakes which cost several hundred dollars during the normal life of your vehicle. Anti-lock brakes are touted, nonetheless, as a life-saving feature and deserves serious consideration when safety is a top priority.
Insurers generally offer discounts for: Safety Features Anti-lock brakes, air bags and passive restraint systems i.e., automatic seat belts. Defensive Driving Clean violation record, driver's education courses for teenagers and defensive driving or accident prevention courses for adults insurance discounts for the latter are required in some states.
Security Systems Alarms, electronic locks, VIN etching and automotive disabling devices. Changing The Driving Habits Try commuting by public transit, using a company vehicle for work-related travel and car-pooling.