If you are searching for cheap San Diego auto insurance quotes, there are a few things that you should bear in mind. Your automobile insurance rate will reflect certain factors. Visit californiaautoinsurancequote.org for more information on this subject.
Average San Diego Auto Insurance Quotes Will Help You Save Money Annually
The average cost of insurance in San Diego is around $1,550 annually. In San Diego County, the average cost of automotive insurance is $1,481. The state of California has an average cost of vehicle insurance of $1,401.
The Factors Determining Car Insurance in San Diego, CA
There are numerous factors that insurance companies consider when coming up with your insurance policy. These factors include, but are not limited to: age, occupation, car make/model, and accident history. However, there are four which especially contribute to the determination of your automobile insurance rate.
- Location – It is well known that areas which have a higher population usually have higher insurance rates for their residents. As of 2010, San Diego County had a population of 1,307,402 residents. This equates to a population density of 4,031 people per square mile.
- Driving to Work – Insurance rates are likely to be higher for people who drive to work during the peak hours of traffic. Conversely, those who do not drive during these times usually are eligible for a discount. The average travel time to commute to work for individuals who are 25 and older is 23.2 minutes. In 2009, the fatal accident count for San Diego was 5.6 individuals out of every 100,000.
- Auto Thefts – If you are vulnerable to having your vehicle stolen, then you likely will have to pay a higher interest rate. Factors that determine the likelihood of auto theft are whether or not you have an anti-theft device on your automobile, whether or not you are in a large city, and what model of car you are driving. There were 6,389 auto thefts in San Diego in 2010, or 486.4 per 100,000 individuals.
- Education – Drivers who have a higher level of education often pay a lower insurance rate than those individuals who have a lower level. In San Diego, about 22% of people have a Bachelor’s degree, compared to 17% who only have a high school diploma or its equivalent. The percentage of people with a Bachelor’s degree is higher than that of the total percentage in California, and the percentage of those with a high school diploma or the equivalent is lower than the state percentage.
To conduct your research on automobile insurance rates, you should visit www.californiaautoinsurance.org for more information. It is easy to use, with a quote generator box that you can put your information in for a quick comparison of rates. This is a sure fire way to find cheaper rates than doing it the old fashioned way. Save money today by reviewing all of your options on this website. You should not have to pay a fortune on top quality automobile insurance.