{"id":7314,"date":"2024-02-12T04:15:00","date_gmt":"2024-02-12T04:15:00","guid":{"rendered":"https:\/\/www.costulessdirect.com\/blog\/?p=7314"},"modified":"2024-03-12T14:36:34","modified_gmt":"2024-03-12T14:36:34","slug":"why-is-my-car-insurance-so-high-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/why-is-my-car-insurance-so-high-in-california\/","title":{"rendered":"Why is My Car Insurance So High? The 8 Most Common Reasons For Car Insurance Rates to Go Up\u00a0"},"content":{"rendered":"\n
What if there was an easy answer to one of your biggest questions? <\/p>\n\n\n\n
Each month, countless California drivers ask themselves why their car insurance<\/a> premiums are so high. To make matters worse, this rate will often spike upward, and there is not always an easy explanation as to what happened. <\/p>\n\n\n\n Fortunately, possible answers to the question \u201cWhy is my car insurance so high?\u201d are very straightforward. Wondering why your rates have increased? Keep reading for some answers. <\/p>\n\n\n\n The biggest factor in why car insurance rates go up is the driver\u2019s record. Generally, coverage is cheapest for those with a history of safe driving. If your driving record changes, however, the premium for your auto insurance is likely to increase. <\/p>\n\n\n\n What you can do about it<\/strong>: Completing a defensive driver program may actually lower what you pay. Driving safely and following the rules for three to five years will go a long way to decreasing your rates. <\/p>\n\n\n\n No matter what your driving record is, the type of vehicle being insured has an impact on your premium. Luxury cars that cost more to repair and sports cars that lend themselves to fast, risky driving will both command higher premiums. <\/p>\n\n\n\n What you can do about it<\/strong>: Downgrading to a simpler ride that has a high safety rating and is known to be reliable might help you lower the cost of your monthly premium. <\/p>\n\n\n\n Believe it or not, where you live plays a major role in how much you pay for automobile insurance. Living in a certain state, city, or even zip code may be enough to drive your premium up<\/a> because the carrier thinks the area is relatively unsafe due to accidents and vehicle-associated crime. <\/p>\n\n\n\n What you can do about it<\/strong>: The good news is that moving to a safer area is sometimes enough to drive your premium down. Sometimes that\u2019s just not possible, though, so find out if using a steering wheel lock and parking in a locked garage can lower those premiums. <\/p>\n\n\n\n Unfortunately, some of the reasons why car insurance rates go up are beyond your control. For example, when inflation is impacting virtually the entire economy, very few sectors go untouched. <\/p>\n\n\n\n What you can do about it<\/strong>: Shop around and compare prices. There\u2019s no law that says you have to stay with your current insurer. One of the best ways to save money is to switch!\u00a0<\/p>\n\n\n1. Your Personal Driving Record<\/strong> <\/h2>\n\n\n\n
2. Type and Age of Your Vehicle<\/strong> <\/h2>\n\n\n\n
3. Geographic Location and Its Risk Factors<\/strong> <\/h2>\n\n\n\n
4. Increasing Costs and Inflation<\/strong> <\/h2>\n\n\n\n