Best Cheap Auto Insurance Quotes for Teachers in California

Deciphering which insurers offer the cheapest insurance rates for teachers will require more work than just comparing a company or two. Every car insurance company used slightly different criteria for setting rates, so let’s look at the rankings for the most budget-friendly insurance companies in California.

It’s important to know that California insurance rates are impacted by many factors that may substantially change the policy premium. Simply getting older, becoming a homeowner, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being more affordable than before.

Lowest Insurance Price Quotes for Educators

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USAA generally has some of the most affordable car insurance rates in California at around $1,121 each year. Century National, Wawanesa, Nationwide, and CSAA also are some of the more affordable California insurance companies.

As depicted above, if you currently have coverage with Nationwide and switched to USAA, you might see a yearly price reduction of roughly $92. California drivers with CSAA could save as much as $113 a year, and 21st Century customers might cut rates by $245 a year.

It’s important to note that these policy prices are averages across all insureds and vehicles and and are not figured with a price decrease for teachers. So the auto insurance company that fits your age and vehicle best may not even be shown in the list of companies above. That point stresses why you need to quote rates from as many companies as possible using your own individual information.

For teachers and educators, one of the big considerations that impact the price you pay for insurance is your address. Areas with a lot of weather claims or more people like Los Angeles, San Francisco, and Sacramento are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims have the gratification of the best cheap auto insurance for teachers in California.

The illustration below ranks the most expensive cities in California for teachers in which to purchase auto insurance.

Annual rates are estimated as specific location information can lower or raise prices significantly.

Safe drivers pay cheaper rates

The easiest method to score affordable insurance rates in California for teachers and educators is to drive safe and maintain a clean driving record. The illustration below highlights how speeding tickets and at-fault collisions impact auto insurance rates for each different age category. The rates are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 2203,2457,4801],[‘Age 30’, 1525,1779,4123],[‘Age 40’, 1517,1773,4115],[‘Age 50’, 1335,1593,3937],[‘Age 60’, 1269,1527,3873],[‘Age 70’, 1373,1631,3977]]);var options = {title: ‘Impact of Tickets and Accidents on California Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in California’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the previous example, the average cost of car insurance in California per year with no accidents and a clean driving record is $1,537. Get written up for one speeding ticket and the average cost jumps to $1,793, an increase of $256 each year. Now add two accidents along with the one speeding ticket and the yearly cost of insurance for teachers increases to an average of $4,138. That’s an increase of $2,601, or $217 per month, just for being a little careless behind the wheel!