Which Company Has the Lowest Cost of Car Insurance in Pomona?

Located in Los Angeles County, the city of Pomona is situated between the Inland Empire and the San Gabriel Valley. It has a population of 149,058 and out of residents aged 16 and older, 63% work. This is somewhat higher than the national average. Their commute to and from work is also higher than the national average at 30.7 minutes. The city is most well known as being the economic leader in citrus production. Insurance rates in Pomona are higher than the national average, which is in line with rates with the rest of the state. If you’re looking for insurance for your vehicle in Pomona, be prepared to pay higher rates than in many other cities in the United States.

What is Required for Pomona Drivers?

In the state of California, drivers are required to carry at least the state minimum coverage levels which includes:

  • $15,000 for injury or death of one person
  • $30,000 for injury or death of more than one person in an accident
  • $5,000 for damage of property

While carrying the minimum coverage in California is enough to legally operate a motor vehicle, it’s advised that a driver carry more than minimum coverage. The reason for this is, if you are found at fault in the event of an accident, minimum levels of coverage might not be enough to cover all the damages. If this happens, you could be held financially responsible for any amount over what your insurance will cover. Another issue is that, if you suffer damages in an accident of which you’re at fault, the minimum required insurance will not cover repairs to your vehicle or your medical costs. You would have to pay for repairs out of your own pocket. With this in mind, you should consider purchasing coverage that will pay for medical expenses and repairs for the other driver, as well as repairs and expenses you might incur.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Pomona by Insurer

When choosing car insurance, you should pick a company that can meet certain requirements. Although the price of a policy is a serious motivating factor when choosing insurance for your vehicle, it should be one of several factors because, even if the price is right, if the service the insurance company provides is inadequate, it’s a waste of money. An insurance company needs to be reliable, claims need to be handled in a timely manner, agents should be readily available, and customer service should be efficient and knowledgeable. It’s fine to seek the best deal you can for the coverage, but you also need service you can depend on.

Are you looking for a cheap car insurance quotes? Compare rates for all companies here.

Low Cost Auto Insurance for Bad Credit in Pomona

The state of California doesn’t allow for an insurer’s credit rating to factor into attaining the minimum coverage required to drive a vehicle in California. However, your credit could factor in when if you choose extra coverage or optional riders. Shop around for the best rate and choose the company that can offer everything you’re seeking.

Use our guide to find the best car insurance with bad credit.

Full Coverage Vs. Liability Coverage

What is Liability Only Insurance Coverage?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

Another way to think of liability insurance is that it protects you from claims made by another driver. Without the protection of insurance, you might be sued if you were to collide with another vehicle.

What Full Coverage Covers

Full Coverage is a commonly used term which covers more than just the damage you might cause in an accident, or the coverage you are liable for. If your policy covers your liability to another vehicle, the damage done to your vehicle (collision insurance), and any incidental damage done to your car by any non-auto elements (comprehensive coverage), then you have a policy that is indeed full coverage. If you have a new car, you may wish to cover it with such a policy, as you might want the peace of mind that any damage will be covered by insurance.

Difference Between the Two Types of Coverage

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.


Ways to Lower Your Insurance Premiums

There are many ways that you can save on auto insurance in Pomona:

  • Shop around

    As you can see from the quotes, there are wildly different prices for auto insurance for the same driver demographic by carrier. We found a thousand or more dollars of difference in most cases.

  • Keep your driving record clean

    If you can drive really defensively, you are going to save money. People with a lot of accidents and moving violations on their record have trouble getting insured at any rate.

  • Look for discounts

    Most auto insurance carriers have discounts for good driving and some student discounts. Sometimes, the agent will not automatically apply the discount. Look on the website to see what discounts they offer.

  • Drive an older vehicle you maintain well

    Since newer vehicles usually require full coverage because you are making payments on the vehicle, you can save considerable money on insurance if you drive an older vehicle that is not worth much money. You won’t need full coverage, although comprehensive insurance is advisable and cheap. This is especially true for young drivers in the family. If they drive used, well-maintained vehicles, they won’t need to pay for full coverage insurance. This can amount to a savings of one or more thousands of dollars each year in insurance costs.

  • Choose a higher deductible for collision insurance

    A higher deductible equates to a lower rate on expensive collision insurance, since you are footing more of the bill in the event of an accident.

Are you looking for car insurance discounts? Learn more here.

Reasons that Affect Your Automobile Insurance Rates in Pomona CA

Your car insurance rate in Pomona, CA is based upon many factors. You will be charged more or less on your policy based upon your age, marital status, and your number of moving violations and accidents. You will also be charged by the carrier based upon the type of vehicle you drive, whether it is paid for or not, and whether you decide that it is cost effective and prudent to have collision insurance or not. Also, insurance agency rates are highly variable, based upon the company and what area of the country you live in. Those in rural areas often pay less, while people in large, metropolitan cities often pay more. Armed with knowledge and by shopping around, you overcome some of these factors and save substantial money each year on auto insurance.

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

Helpful Pomona, California Vehicle Resources:

Live Traffic and Accidents

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


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