San Diego Car Insurance (CA)

San Diego has a population of 1.2 million, making it the second largest city in California and the 8th largest city in the United States.  In 2005, the California Insurance Commissioner passed regulations that required auto insurance companies to base car insurance premiums on how a person drives and not just their zip code.  The Insurance Reform Initiative, called “Proposition 103”, actually passed in 1988, had not been implemented until 2005 because of various industry challenges. San Diego car insurance premiums are determined by factoring in the driver's personal safety record, the number of miles they drive annually, and the number of years a person's been driving.  They can also use the zip code, but it cannot be the major deciding factor in the amount people pay for their San Diego auto insurance premiums.

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Before Proposition 103 was implemented, a driver living in San Diego's zip code 92118 could move to zip code 92102, still in San Diego, and be given a 33% increase in their auto insurance rates.  Thanks to Proposition 103, a good driving record and the number of years you've been driving are far more important than the zip code in which you live, making insurance premiums more fair across the state of California.

Ways to Save Money on San Diego Car Insurance

To further ensure you receive a better auto insurance rate, do a little research.  If you have insurance for home, health and life, in addition to your car, chances are you could get discounts on all premiums if you insure them with the same company. If you are an infrequent driver, you will want to check with your local insurance agent regarding any discounts available for low mileage use.

Car Insurance Requirements in San Diego

In the state of California, there are minimum state requirements for car insurance. You can prove you are financially able to cover the costs of an accident with a bond or cash deposit in the amount of $35,000 with the Department of Motor Vehicles, or you can insure your car with at least the minimum requirements.

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