Finding affordable auto insurance in California can be a daunting task, especially for drivers with a history of accidents. However, several insurance companies cater to this demographic by offering competitive rates and suitable coverage options. Below is a detailed look at some of the cheapest auto insurance companies in California for drivers with accidents.
1. Mercury Insurance
Mercury Insurance is well-known in California for its affordable rates and comprehensive service. They provide competitive premiums for drivers with previous accidents, making them a popular choice. Additionally, their robust online tools help policyholders manage their accounts easily.
2. Geico
Geico is a national leader in the auto insurance market, renowned for its affordable coverage. They often provide significant discounts for various factors and have programs specifically targeting drivers with accidents. Their user-friendly website and mobile app also enhance customer experience, allowing for easy claims and policy management.
3. Progressive
Progressive offers tailored insurance services for drivers with a poor driving record. Their Snapshot program can help lower premiums for safe driving habits, which can be advantageous for accident-prone drivers. They also provide a variety of discounts, including multi-policy and multi-car options.
4. State Farm
State Farm is one of the largest insurance providers in the U.S. and offers competitive rates for drivers with accidents. Their extensive agent network ensures personalized service, and they often have flexible payment options, which can be beneficial for those looking to manage their budget carefully.
5. Allstate
Allstate's insurance policies are adaptable, providing multiple coverage options and discounts for safe driving. They have a unique program that rewards safe drivers, which could help mitigate costs for drivers who are willing to improve their habits following an accident.
6. Farmers Insurance
Farmers Insurance is another option that provides affordable rates for those classified as high-risk drivers. They focus on personalized service and offer a variety of discounts, such as those for bundling policies, paying in full, or installing safety devices in vehicles.
7. Esurance
Esurance, a subsidiary of Allstate, provides low-cost auto insurance primarily for tech-savvy customers. They specialize in online services, making it easy to get quotes and manage policies. Their rates are particularly competitive for drivers with accidents on their records.
Tips for Finding Cheap Auto Insurance in California:
When searching for affordable auto insurance, consider the following tips:
- Compare quotes from multiple providers to find the best rate.
- Ask about discounts for safe driving courses or accident forgiveness programs.
- Consider increasing deductibles to lower monthly premiums.
- Review coverage options to ensure you only pay for what you need.
- Check with local agents, as they may find additional savings not available online.
In conclusion, while having accidents on your driving record may raise your auto insurance rates, there are still affordable options available in California. Companies like Mercury, Geico, and Progressive provide competitive pricing and valuable services tailored to high-risk drivers. By shopping around and being proactive, you can find the cheapest auto insurance to meet your needs.
