Finding affordable car insurance in California can be a daunting task, especially for drivers with multiple claims on their record. However, there are several car insurance brokers that specialize in catering to this demographic without breaking the bank. In this article, we will explore some of the cheapest car insurance brokers in California for drivers with a history of multiple claims.
1. Progressive Insurance
Progressive is known for providing competitive rates, especially for high-risk drivers. They offer a variety of discounts, including those for bundling policies and safe driving courses. Their Name Your Price tool allows you to input your budget and find a plan that fits your needs, making it easier for drivers with multiple claims to find affordable options.
2. Geico
Geico is another top choice for inexpensive car insurance, offering affordable rates for drivers with claims. Their efficient online tools allow for quick quotes and policy management. Additionally, Geico has a reputation for excellent customer service, providing support to drivers as they navigate their insurance options.
3. Allstate
Allstate offers specialized programs for drivers with multiple claims, helping them find coverage that won't strain their finances. Their Safe Driving Club and accident forgiveness options can be particularly beneficial for those with a history of claims, allowing drivers to potentially lower their rates over time.
4. Mercury Insurance
Mercury Insurance provides personalized quotes tailored to high-risk drivers. They are specifically focused on the California market and often offer more competitive rates than larger insurers. With their focus on customer service and flexible payment plans, Mercury can be a great option for drivers with multiple claims.
5. State Farm
As one of the largest insurers in the U.S., State Farm understands the needs of drivers with multiple claims. They provide a range of coverage options and discounts that can help mitigate costs. Additionally, their Drive Safe & Save program allows drivers to earn rewards for safe driving behaviors, which can be beneficial for reducing premiums over time.
6. Farmers Insurance
Farmers Insurance offers a unique approach for those with multiple claims. They provide accident forgiveness policies and the ability to customize coverage options according to individual needs. Their agents can work closely with clients to find the most affordable plans available, even with a history of claims.
7. USAA
If you are a member of the military or have an immediate family member who is, USAA typically provides some of the best rates on car insurance for high-risk drivers. They focus on helping their members find affordable coverage while providing outstanding customer service, making it a top choice for eligible individuals with multiple claims.
Conclusion
While having multiple claims can make it challenging to find affordable car insurance, brokers like Progressive, Geico, Allstate, Mercury, State Farm, Farmers, and USAA offer options that can help. It’s crucial for drivers in California to compare rates and coverage to find the best insurance that meets their unique needs. By utilizing online quote tools and discussing options with brokers, drivers can secure the best possible rates, even with a less-than-perfect driving history.
