Who Has the Cheapest Car Insurance Rates in Garden Grove?

Are you a new driver in Garden Grove, CA? Whether you just moved to the area, are planning to move soon, or are preparing to receive a driver’s license for the first time, it’s important to become familiar with the state’s auto insurance laws.

In order to own and drive a motor vehicle in California, you’re required to purchase auto insurance coverage. While the state is known to have some of the highest rates in the country, there are still ways to find coverage that fits your needs and your budget. This process starts by gaining a better understanding of how insurance companies decide to price their coverage and then researching potential options thoroughly.

When determining what to charge for insurance coverage, companies regularly take into consideration a number of different elements. Some pertain to you history, while others are locational. Every insurer is different, but most incorporate the following factors when establishing rates:

  • Personal Driving History
  • Population Density
  • Commute Time
  • Risk of Auto Theft

Population density is often important because larger cities tend to see more accidents. As a result, many companies offer drivers residing in rural areas lower premiums and charge those in highly populated areas more. If this is a consideration, you can generally expect to see an increase in rates when there are over 5,000 people per square mile in a particular area. As a geographically small city with approximately 171,644 living there in 2019, Garden Grove, CA, had a population of 9,524 per square mile. Based on this information, drivers in this city will likely pay more for auto insurance coverage than they would in other less populated areas.

Another important factor often considered is the average commute time for drivers to and from work. It’s not uncommon for companies to offer lower rates when travel times are shorter, likely because less time on the road tends to result in fewer accidents. The national average commute time is 26.6 minutes. Drivers residing in cities with transportation times exceeding this time frame are more likely to have higher insurance premiums. The average travel time to work for individuals 16 years and older in Garden Grove, CA is 28.4 minutes. While not significantly above the average, it’s still possible that this number will cause auto insurance rates to be higher.

Risk of auto theft also often plays a role in establishing the cost of auto insurance. Fortunately, there seems to be relatively little risk of auto theft in Garden Grove, CA. In fact, the city is not even included in the National Insurance Crime Bureau’s (NICBs) 2018 Hot Spots Report Map. This could help to bring the cost of insurance down some in the area.

What are the Insurance Requirements in Garden Grove?

If you plan on owning and driving a vehicle in California, you will need to purchase auto insurance. Unlike some other states, California requires all drivers involved in an accident to file claims through their insurance companies, even if they are not found to be responsible for the collision. For the protection of others, all drivers must have coverage that includes at least the following:

Bodily Injury Liability Coverage

Drivers must have a minimum of $15,000 of coverage for an individual injured in an accident and $30,000 of coverage per accident in order to cover injuries for multiple people.

Property Damage Liability Coverage

Drivers must also have a minimum of $5,000 of coverage for property damage per accident.

Uninsured Motorist Coverage

Drivers must carry coverage for uninsured motorists in the amounts of $15,000 for a single injury and $30,000 to cover multiple injuries in a single accident.

Liability insurance does not, however, cover bodily injuries or property damages sustained by you, your passengers, or your vehicle if you are found responsible for the accident. For this reason, it’s recommended that you consider purchasing additional options, such as comprehensive insurance, which can cover your injuries and damage to your vehicle from weather and ‘Acts of God’. Without it, you could be financially responsible for any resulting medical bills and/or auto repairs.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Garden Grove by Insurer

Because insurance is a competitive market, some companies offer lower rates than others. While cost should never be the only determining factor when selecting coverage, it’s worth researching the cheaper options first. Local rates may vary, but Geico does tend to be one of the least expensive solutions in the California. Ideally, you should request quotes from multiple insurers and pick the one that has the best service ratings, customer reviews, and rates. Always choose coverage that is specifically tailored to your needs, even if it costs a little more.

Learn how to find cheap car insurance near you.

Low Cost Auto Insurance for Bad Credit in Garden Grove

Fortunately, California does not permit insurance companies to use credit scores to determine individual premiums. This means that drivers in Garden Grove, CA will be able to find coverage at a reasonable price regardless of their history. Keep in mind, however, that providers are likely to set prices based on other factors as well, such as customer driving records and the number of miles driven per year.

Learn about how your credit score can negatively impact your insurance rates.

What is the Difference Between Full Coverage and Liability?

What is Liability Only Insurance Coverage?

Liability-only policies cover any damage you do as a driver, or which results from your automobile. These policies meet the minimum requirement for drivers in Fresno, California and are generally the cheapest. That is because the policy does not cover your car. Thus, if an uninsured driver hits your car, and is at fault, any damage you incur must be repaired at your expense. You will also be unable to make a claim if your car is damaged due to weather or as a result of some other non-driving incident.

Full Coverage Auto Insurance

Full coverage is not a category used by insurance companies. Rather, it is a colloquial term used to describe policies that cover both you and other drivers. Thus, if you are in a collision with an uninsured motorist, you can make a claim to repair damage to your car. If your car is injured by some other sort of accident or even vandalism, you can claim those repairs, too.

When you purchase a car on a financing plan, your lender will probably insist that you cover the car with a comprehensive policy that will cover any damage. Even if you purchase a car outright you might want to purchase a comprehensive policy so that your beautiful car remains pristine for as long as possible.

What is the Difference Between the Two Types of Car Insurance?

So, liability-only insurance coverage will pay for what you did to the neighbor’s bumper when you backed into it while rushing to work. It will pay for the hospital visit by a bicyclist you hit who has a broken leg. Liability-only only insurance will pay for the utility panel you hit at the RV resort when you had trouble backing in.

Collision will pay for any damage you did to your own vehicle when you backed into that utility panel at the RV resort. Comprehensive will pay for the damage your vehicle suffered when a tree fell on it in intense rains that weakened the soil.

The difference between liability and full coverage insurance policies is that liability only covers other people and their vehicle if an accident should occur where you are at fault, but, with a full coverage insurance plan, you and your vehicle would also be covered along with other’s and their vehicle as well.

Another difference between the two is that a deductible is associated with full-coverage insurance, but not with liability. There is also a difference in price, where full coverage will cost more than liability insurance.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.

Ontario CA

Ways to Lower Your Insurance Premiums

Save on Your Insurance Policy Rates With These Discounts in Garden Grove:

  • Shop around –

    As you can see from these few examples, the rates insurers charge for the very same driver demographics can vary incredibly. The television commercials by the insurers tell us we can save hundreds of dollars on automobile insurance. Actually, you could save a thousand or more dollars on your insurance each year.

  • Drive defensively –

    If you can stay out of accidents and don’t accrue moving violations, you can save a lot of money on your automobile insurance. People with too many accidents and moving violations have trouble getting insured at any rate.

  • Drive an older car –

    If you have a car that is too old and not worth enough to carry collision insurance, you can save quite a bit of money. This especially applies to younger drivers whose insurance costs are much higher. If they can drive an older vehicle that would just require liability insurance and maybe some inexpensive comprehensive insurance, they can save at least a thousand dollars or more on insurance.

  • Buy collision insurance with a high deductible rate –

    The higher deductible rate you can tolerate in the event of a collision and the need to repair your vehicle, the lower your collision insurance cost will be. Your collision insurance rate will be really high if your deductible is only around $500. If you can tolerate $1,500 or so, you can save quite a bit of money on this portion of your annual insurance rate.

  • Bundle your home and automobile insurance policies –

    If you can buy your automobile and home insurance from the same company, you will likely save money. Most insurers offer a substantial discount for having your home and auto policy with them.

This guide can help you find the best discounts on auto insurance.

Reasons that Affect Your Automobile Insurance Rates in Garden Grove, CA

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

Use this guide to find low cost rates with accidents from the top insurance companies.

Helpful Garden Grove, California Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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