You have most likely seen the catchy commercials from insurers like State Farm, Farmers, and GEICO that guarantee dirt cheap rates, so you should just pick the company with the best ad, right?
Unfortunately, it’s not that simple as there are a whole bunch of unknowns like the amount of liability coverage you want, if you are married or single, and whether you are a man or a woman, that all help calculate your car insurance rates. The content below covers these topics and educate you enough to have a good start in finding the cheapest insurance in California.
The make and model of vehicle you are insuring is a large factor that determines the availability of affordable auto insurance for welfare recipients. Vehicles with lower acceleration and performance, modern passenger safety features, or low incidents of liability claims will cost significantly less to insure than high performance models. The next list features car insurance costs for a number of the most economical automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,255|
|Ford Escape Limited 2WD||$1,283|
|Toyota Camry LE||$1,295|
|Chevrolet Equinox LS AWD||$1,300|
|Honda Accord LX-P 4-Dr Sedan||$1,342|
|Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr||$1,345|
|Chevrolet Impala LTZ||$1,364|
|Ford Edge Limited AWD||$1,374|
|Hyundai Elantra GLS 4-Dr Sedan||$1,364|
|Chevrolet Silverado LS Regular Cab 4WD||$1,378|
|Chevrolet Malibu LTZ||$1,388|
|Jeep Grand Cherokee Limited 4WD||$1,397|
|Nissan Rogue S 2WD||$1,392|
|Dodge Grand Caravan CV||$1,407|
|Ford Explorer XLT 4WD||$1,416|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$1,411|
|Toyota Tacoma 2WD||$1,456|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,468|
|Hyundai Sonata Limited 4-Dr Sedan||$1,485|
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Estimates do not factor in your specific Riverside, CA location which can modify insurance rates noticeably.
Looking at the data, you can figure that cars like the Toyota Prius, Honda CR-V, Ford Escape, Toyota Camry, and Chevrolet Equinox are going to be a few of the less-costly vehicles to insure for drivers on welfare.
For drivers on welfare, one of the big components that determine insurance cost is your zip code. Areas with more people or even just a higher incidence of claims tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents benefit from lower prices.
The illustration below rates the highest-priced places in California for welfare recipients to purchase car insurance in. Riverside shows up at #13 having an annual price of $1,527 on average, which is approximately $127 per month.
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Information shown are estimated as specific location information can influence rates substantially.
Types of discounts on Riverside insurance rates
Insurance companies that offer cheap quotes for welfare recipients may also give you special discounts that can lower rates by as much as 35% if you meet specific criteria. Large car insurance companies and their offered discounts are detailed below.
- GEICO policyholders can earn discounts including seat belt use, anti-theft, air bags, membership and employees, defensive driver, and military active duty.
- MetLife offers premium reductions for defensive driver, multi-policy, claim-free, good driver, and good student.
- State Farm offers discounts for good student, anti-theft, defensive driving training, accident-free, safe vehicle, and Steer Clear safe driver discount.
- Progressive has discounts for online signing, good student, continuous coverage, multi-policy, and homeowner.
- Mercury Insurance may have discounts that include type of vehicle, multi-policy, age of vehicle, annual mileage, and good driver.
- 21st Century includes discounts for teen driver, homeowners, automatic seat belts, air bags, and good student.
- Allstate offers discounts including resident student, anti-lock brakes, new car, EZ pay plan discount, passive restraint, premier plus, and farm vehicle.
The example below compares annual premium costs with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with marriage, anti-theft, defensive driving course, accident-free, vehicle safety, and passive restraint discounts applied. When discounts are applied, the average amount saved each year on car insurance for welfare recipients is 28% or $777.
The diagram below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for welfare recipients. The price estimates are based on a married male driver, comp and collision included, and no policy discounts are applied.
As shown above, a 30-year-old driver could reduce rates by $460 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $692 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could lower their rates as much as $1,398 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it will be necessary to have emergency funds available to offset the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Selecting the highest-rated insurance provider can be rather challenging considering how many companies there are in California. The ranking data in the next section could help you decide which auto insurers you want to consider purchasing a policy from.
The rankings below include large, nationwide insurance companies, so companies that have a smaller presence are not factored into this list. To get rate quotes and find the cheapest rates for welfare recipients, click this link.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies