Who Has the Cheapest Car Insurance Rates in Palmdale?

Palmdale is a mid-size city near Los Angeles; in fact, it’s located within Los Angeles county. However, Palmdale is separated from L.A. by the San Gabriel mountain range and the Angeles National Forest. You’ll find the city within the southern part of Antelope Valley, about 60 miles north of the downtown area of Los Angeles. Palmdale’s population is 155,079, though in 2010 the population was 152,733, which means the town hasn’t been growing in recent years.

The average commute time for workers 16 and older is a whopping 42.5 minutes. This may be because so many of them commute into, or close to, Los Angeles. The national average commute is much shorter, at around 27 minutes. Unfortunately for your insurance costs, insurers know that commuters who are on the road for a long time are more likely to end up in collisions because of congested highways or vehicle speeds.

The number of vehicle thefts in the Los Angeles-Long Beach-Anaheim area was around 53,928 in 2018. This made the metro area’s rank among cities in the US with the highest amount of car thefts #38, and the theft rate was 405.73 per 100,000 residents. All of these thefts mean that thousands of car owners had to file claims and, if their vehicles were found, come up with funds for the deductible required if their vehicles needed to be repaired. This, along with other statistics in the area, lead to higher insurance costs than you find elsewhere.

What are the Insurance Requirements in Palmdale?

If you get into a serious accident that leads to major vehicular damage, you want your insurance company to back you financially, even though you’re still going to have a deductible you’ll need to pay out of pocket. If you are still paying on a loan for your vehicle, the financial institution that provided that loan will likely require that you hold a comprehensive insurance policy on your vehicle while you are making monthly payments. This covers damage that does not result from accidents.

However, even if you own your vehicle outright, you are going to need insurance because it’s against the law to drive in California without it. At a minimum, you will need to have bodily injury liability coverage in the amount of $15,000 per person and $30,000 per accident in case of multiple injuries or deaths and property damage liability coverage in the amount of at least $5,000.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Palmdale by Insurer

By asking for quotes, you can compare the dollar totals for state minimum, collision, and comprehensive coverage. There’s a major swing between the state minimum and the full coverage, but this is because of the protections each offers. Even if you are only interested in minimum coverage, you should take the time to check out the reputation of any company you consider and make sure that they will be reachable and responsive should you ever need to file a claim.

Compare cheap auto coverage quotes by state.

Low Cost Auto Insurance for Bad Credit in Palmdale

Drivers who have bad credit still have to buy vehicle insurance for their cars. And luckily, in California, insurers are not allowed to use your credit score to help them determine how much you will pay for your insurance, per California law. That means that, no matter what issues you’ve had or hits to your credit score you’ve taken in the past, it shouldn’t affect the cost of your car insurance.

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

Difference Between Liability and Full Coverage

What is Liability Only Insurance Coverage?

Liability insurance will pay for the injuries and/or damages that you cause to others in the case of a collision where you were at fault. In most cases, liability insurance will cost less than full-coverage insurance, but then again, they are both very different in what they cover. Liability is mandatory in all U.S. states, although how much liability you are required to have differs between states. Even if it wasn’t mandatory to have liability insurance, accidents can happen anytime and, if they do, you will need to be able to pay for the damages that you cause if you were the one to blame.

Why You May Want Full Coverage Car Insurance

Full coverage auto insurance in Arizona pays for your injuries and the damages made to your car as well as for others and isn’t just a specific type of a policy but it is instead liability, comprehensive insurance, and collision all combined. Full coverage insurance is not mandatory, but is good to have since it will help pay for your car to be fixed in the event of an accident that causes you injury or damage to your car, even if you were at fault. If the other person that collided with you was at fault, then their insurance will cover the damages to your car and your injuries. This is why there are laws requiring everyone to have insurance to cover the damages they cause.

What are the Major Differences Between Full Coverage and Liability?

The difference between full and liability coverage is quite dramatic. With liability, insurers gamble that they will only have to pay for one car in an accident. With a comprehensive or full coverage policy, insurance companies know that they are taking on more liability exposure and so their rates reflect the increased risk. In the case of a comprehensive policy, they might even have to cover claims for damages that don’t arise from a traffic incident.

Average Annual Car Insurance Rates in California by City

Additional cities in California you can check out.

Utilize These Auto Insurance Discounts to Get a Lower Rate

The following auto insurance discounts can be used to help lower your premiums in Palmdale:

  • Raise your deductible

    If you are willing to pay more money for a deductible, in the event of an accident, then you can lower your insurance rates substantially. You can lower your premium to around 10% just by raising your deductible to around $1,000.

  • Drop Collision Coverage on Old Cars

    Dropping collision coverage on older cars can really help save you a lot, especially for cars that are more than ten years old and only worth four or five thousand dollars. Think about it, if you have an accident while driving an older car, are you really going to pay to repair it or just buy a new car?

  • Check Insurance Rates for Your Car’s Make and Model

    The make and model of your car can make a big difference in how much you pay for auto insurance. Therefore, before purchasing a new car, be sure and check the insurance rates for it as some can be much higher than others.

  • Shop Around to Check Rates from Numerous Insurance Companies

    The chart in this article should be enough proof to know that there can be a big difference in what various insurance companies charge for auto insurance. That is why it is a good idea to check rates from a number of insurance companies before deciding which plan to choose.

  • Drive Fewer Miles

    One of the questions asked when applying for auto insurance rates, is how many miles you drive regularly. This is because the more miles you drive, the more risk you are to the insurance company and the higher your insurance cost will be. Try to drive fewer miles, if possible, to save more money on your premiums.

  • Maintain a Good driving record

    Being a safe driver can not only save your life, but it can also save you a lot of money, too. There is a big difference in how much people with accidents on their record have to pay, and what those without any accidents pay. Therefore, always drive safely.

  • Live in a less populated area

    Your location matters when it comes to auto insurance rates. If you live in a highly populated area, your rates will be higher than if you live in a lower-population area. The Jefferson and New Orleans areas have some of the highest rates in Louisiana, but if you live just 30 minutes outside of the city, you can expect your rates to go down.

Use this guide to find discounts here.

Reasons that Affect Your Automobile Insurance Rates in Palmdale, CA

There are quite a few factors included in determining your cost for auto insurance such as:

  • Your location
  • Age
  • Number of violations you had in the past
  • Gender
  • Whether you are married or single
  • Your credit score
  • The plan you are seeking
  • The deductible
  • Daily miles you drive
  • The make, model, and year of the vehicle to be insured
  • Whether you live alone or with others
  • Your occupation

How to tickets and accidents affect your driving record and insurance?

Helpful Palmdale, California Vehicle Resources:

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


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