Car insurance in California is changing. The market is pressured due to the higher cost of claims. Cars are becoming more expensive and more expensive to repair as they become more and more complicated. Choosing a top safety rated car can help. Part of your California auto insurance is the medical or bodily injury coverage. When you hit someone and they’re hurt the medical costs are skyrocketing as we all know. This is causing companies to increase rates.
You’ve also got the regulatory side of things which has caused California to remove many discounts from auto insurance policies sighting unfair to consumers.
With the advent of ride sharing services like Uber and Lyft many people are driving for these services using their personal vehicles and don’t know they aren’t covered unless their insurance company adds a special endorsement to the policy or the driver gets commercial auto insurance which can provide broader coverage.
The best way to find out if you have the cheapest auto insurance is to review your policy with your agent. They can help navigate you through what’s happening in the car insurance industry.