UPDATED: Mar 13, 2020
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Cheap Car Insurance in Anaheim, CA
Do you require cheap auto insurance in Anaheim, CA? At AutoInsuranceEZ.com, We can make that a real possibility for you.
We can help you look up the most affordable insurance companies in your area so that you can get an affordable price on the coverage you need.
If the word “Anaheim” sounds like a way to say ‘bless you’ in a foreign language, there’s a reason for that. The city was originally founded by 50 different German families in the mid-1800s.
During its early years, it was an agricultural powerhouse. However, the community changed radically in 1955 when a certain well-known theme park decided to open its gates.
- Fun fact: Yes, that’s right, 1955 was the grand opening year for Disneyland. The economy of Anaheim has been booming ever since. You can learn more about Disneyland and Anaheim right here.
Auto Insurance Coverage Requirements in California
Driving legally in Anaheim requires:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||5,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||20,000/40,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
What type of coverage options do you plan on choosing? This question isn’t exactly as simple as it may seem. Naturally, everyone thinks but choosing the least amount of coverage in the smallest dollar amount is the best way to save money.
But newer and more expensive vehicles will require more coverage in order to be truly financially protected.
Auto insurance in California isn’t cheap. Some drivers, especially Anaheim residents, can pay as much as $149 or more on average. Yikes! But you don’t have to be just an average driver.
You can lower your monthly premium by as much as $78 or more if you follow our simple tips and easy advice.
There are many different auto insurance companies competing in Anaheim right now. Some of the more affordable ones are Nationwide and 21st Century, but they have some stiff competition from outfits like Mercury and Dairyland.
Of course, price isn’t everything. Insurance companies may offer specific discounts or other rewards in order to drive up their customer base if they want to attract more business.
If you’re on the hunt for affordable California auto insurance, you’re going to have to make sure that you know as much information as possible before you start your search.
Your auto insurance provider will evaluate your risk based on many different variables; the more variables you know about, and the harder you work to change them in your favor, the cheaper your monthly premiums will be.
Major Car Insurance Factors in Anaheim
The subjects we’re about to talk about can have a major impact on how much your car insurance costs. Some of these can alter your monthly premium by as much as 42 percent or more!
The ones that fall in your favor can give you some serious discounts – but the ones that don’t will mean that your auto insurance coverage will take a massive chunk out of your monthly budget.
Your Zip Code
The immediate area around your home or wherever it is that you park your car at night can be very telling when it comes to evaluating your risk as a driver. This is especially true for people living in Anaheim so close to a major theme park.
When you’re driving on crowded roads – especially on roads where drivers may not know California driving laws, or US driving laws for that matter – your risk will go up and your premiums will be more expensive. Anaheim is home to 351,066 people and the average household income is $64,464.
Despite all the hectic traffic from tourism, accidents in Anaheim are relatively low. You may be able to use this information to leverage a lower quote from your auto insurance provider.
There are also fewer drunk driving accidents per capita in Anaheim than in other areas, which should also help you get a safe city discount.
Auto Thefts in Anaheim
There were a grand total of 1,384 auto thefts in Anaheim last year. This means that the average driver and resident of the city has a fairly small chance of getting their car stolen.
High-profile vehicles, when it comes to auto theft, usually include expensive, flashy cars or common models which can be stripped for parts in a chop shop.
It’s a good idea to make sure you have a passive auto theft device on your vehicle for better protection – and potential insurance discounts!
Your Credit Score
Many years ago, the state of California passed a law which said that car insurance companies cannot use your credit score while determining what to charge you for your premiums.
This is great for people with poor credit or who are struggling to build back their credit. It means you won’t be charged exorbitantly higher rates like you would if you lived in a different state.
Unfortunately, people with excellent credit scores might not get the discounts they would otherwise be entitled to.
In the eyes of an auto insurance company, young drivers are extremely problematic. They have very little experience behind the wheel, there are notorious for making poor decisions, and the statistics show that they cause more damage in more accidents than almost any other demographic.
Teenagers and young adults can help themselves by getting good grades and driving fewer miles – just keep in mind that the insurance cost will still be expensive for drivers under the age of 25.
Your Driving Record
Do you have a string of car accidents in your recent history? Have you filed expensive claims at any point in the last few years? Have you ever gotten something as serious as a DUI?
All of these can count against you – and expensively so – when looking for a more affordable auto insurance rate.
Cleaning up your record will take time, and you will have to make special efforts to avoid future tickets and accidents if you want to lower your monthly premiums.
We touched on this earlier when we were talking about auto theft, but it bears repeating: the more expensive your vehicle is, the more it will cost to insure properly.
Newer vehicles and leased vehicles will also cost more due to things like comprehensive and collision coverage mandates as well as gap coverage and replacement cost options.
So if you’re driving an older vehicle which is relatively reliable, you could be ready to save some serious cash on your coverage.
Minor Car Insurance Factors in Anaheim
Below are some ways you can get even further discounts either through luck or through a little effort on your part:
Your Marital Status
Getting married is definitely something to be celebrated. And your insurance company may want to join in the festivities by offering discounts to married couples.
Being married is enough to save a few percentage points off your monthly premium. But you can get even better discounts by bundling your auto policy with your spouse’s in order to save money.
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Sometimes, gender matters to an auto insurance company. They may look at statistical models which show one gender as being riskier behind the wheel than the other.
If they think there is a statistically significant enough risk, your monthly premiums may be a few percentage points higher than someone of the opposite sex. But not all insurance companies do this, so you may not have to lose any sleep over it.
Your Driving Distance to Work
Getting to work in Anaheim can be tricky and time-consuming. The average commute time is between 30 and 35 minutes each way. That’s going to put a lot of miles on your car and cost you a lot of gas money.
This, of course, may be the main reason why there is such a large percentage of Anaheim residents who carpool to work – right around 14 percent, to be exact.
About a decade ago, most drivers didn’t know anything about getting a low-mileage discount. These days, however, insurance companies have taken the initiative and offered to let customers track their own miles in exchange for lower premiums.
Usually, this involves installing a small device in your vehicle to keep track of when, how, and how much you drive. In 6 months or less, depending on the company and their policies, you could save around 33 percent.
Your Coverage and Deductibles
Changing your deductible can be a tricky thing. On the one hand, raising it as high as $500 or even $1,000 can lower your monthly premium by as much as 25 percent or more.
But most drivers who do that make that choice based on their belief that they will not need to pay it, ever.
If you get unlucky and you do end up getting into an accident, you should try and financially prepare yourself for that higher deductible – or find another way to get around town while you save up the money.
Education in Anaheim, CA
Education statistics in Anaheim fall below the average of the entire state. A quarter of the population has not yet graduated high school or achieved a similar level of education. A little over 1/5 of the population has, however.
There are also a fair amount of residents with bachelor’s degrees, but the prevalence is still below that of the state average.
There are over a dozen different institutions of higher learning in Anaheim. Many of them are private, for-profit schools, but a few of them are not-for-profit institutions such as the California University of Management and Sciences.
You may also want to look into programs at the North Orange County Community College District if you are looking to get a decent education at an affordable rate.
Other than price, what are you looking for from your insurance company? Do you want customer service? Do you want a smooth, easy claims process? Or do you simply want to know that your provider will be there when you need them the most?
Regardless of your answer to those questions, we can find you the company you’re looking for at the affordable rate to match. All you have to do is tell us a little bit about yourself, and we can help you save!
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.