Comparing California Auto Insurance Rates


The state of California handles its insurance regulatory bodies just a little bit differently than some other states. The California Department of Insurance (CDI) was originally created in 1868 and has kept up with the evolution of our economy and insurance needs ever since. Before you start looking for California independent auto insurance rate comparisons you should gain a better understanding of how insurance is regulated in California.

California’s Regulatory Body

Every state has a commissioner to oversee the insurance department. In many states, that commissioner is appointed by the governor. In California, on the other hand, the commissioner is elected by vote, giving the public control over who will oversee the insurance department at all times.

Back in the late 80’s, voters passed what was known as Proposition 103, a regulation that has had a huge impact on the California independent auto insurance rate comparisons and quotes residents receive to this date. Proposition 103 stated that insurance companies must get approval from the state department of insurance before they can enact any rate increases or reductions. In some states, insurance carriers can enact new rates on their own while in many others they can enact new rates while approval from the department of insurance is still pending.

Because of these two important factors, those looking to obtain California independent auto insurance rate comparisons can be confident in the fact that they are shopping for insurance quotes from companies that are all following the same set of rules and regulations.

Finding Affordable Insurance in California

Finding affordable automobile insurance in California isn’t a difficult process at all. You can call in independent agent, call insurance carriers directly, or obtain online quotes and compare the coverage from several different carriers at the same time. The latter is the most popular option because of its simplicity. You only need to enter your personal details into the computer one time before receiving quotes from several different carriers. Each will detail the options available, including multi policy discounts, good driver discounts, and accident free discounts.

Our site is designed to help you obtain a wide variety of California independent auto insurance rate comparisons – ensuring you are able to choose from a wide variety of carriers and coverage options. It’s your car, your coverage, and your money. You deserve the best insurance coverage available. Let us help you find it!

More information on California auto insurance laws are available from CA Department of Insurance on

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