{"id":5914,"date":"2021-12-08T13:31:02","date_gmt":"2021-12-08T21:31:02","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=5914"},"modified":"2022-12-21T14:23:59","modified_gmt":"2022-12-21T14:23:59","slug":"how-the-best-car-insurance-in-california-could-be-an-ideal-holiday-gift","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/how-the-best-car-insurance-in-california-could-be-an-ideal-holiday-gift\/","title":{"rendered":"How the Best Car Insurance in California Could Be an Ideal Holiday Gift"},"content":{"rendered":"\n

Socks and wardrobe accessories are always needed. Books, music, and electronic devices are fun to unwrap. But here\u2019s a gift that, while not as attractive as a new laptop or tablet, will prove to be just as appreciated in the long run: a year of car insurance<\/a>. <\/p>\n\n\n\n

There are many reasons why it can make such good sense to add a policy for young drivers to your holiday shopping list. <\/p>\n\n\n\n

Why Would Anyone Buy Car Insurance as a Holiday Gift? <\/h2>\n\n\n\n

Drivers in the state of California must have at least the minimum car insurance coverage to get their licenses. Young drivers pay more for their coverage than those of other age groups. Put both of those facts together, and you can see just how appreciated a car insurance policy in holiday wrapping paper with a big red bow might be \u2014 especially when it gives your motorist loved one access to the best car insurance in California. <\/p>\n\n\n\n

Let\u2019s break it down. <\/p>\n\n\n\n

According to 2021 statistics<\/a>, 16-year-old drivers in California are charged an average of $3,744 a year for full coverage auto insurance as part of their parents\u2019 policy. It goes up even more when the young motorist hits the ages of 18-20, since they will most likely have a separate policy from their parents. The cost for car insurance coverage doesn\u2019t get dramatically reduced until the young motorists reach the age of 25 \u2013 and even then, it\u2019s pretty high in California. <\/p>\n\n\n\n

What that means is that your loved ones who are between the ages of about 16 and 25 can pay so much for car insurance in California that it might make them reconsider even getting behind the wheel of a car. Imagine their relief when they open up that envelope with a bow. <\/p>\n\n\n

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\"young<\/figure><\/div>\n\n\n

How to Reduce the Cost of Your Young-Driver Gift <\/h2>\n\n\n\n

You might have gulped when you read about how your new-driver teenager will be charged, on average, $3,744 a year for their car insurance in California \u2014 and that the rate will probably go up even higher once they reach the age of 18. Don\u2019t panic. One thing to remember is that this is the average cost, per age group, for a full coverage policy. <\/p>\n\n\n\n

Ask your insurance agent about various available discounts and other tips<\/a> to reduce that total. For instance, students with good grades might pay less. Another strategy is to buy less than a full-coverage plan. <\/p>\n\n\n\n

Full coverage is always preferred because it offers you the most financial protection if the covered driver is in an accident or suffers other damage to the vehicle. But like most \u201cpreferred\u201d gifts, full coverage also costs considerably more than minimal coverage. <\/p>\n\n\n\n

Minimal coverage<\/a> in the state of California consists of the following: <\/p>\n\n\n\n