How to Save on Car Insurance in Santa Cruz, CA?

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The average cost of auto insurance in Santa Cruz, CA, according to Zimlon, is $1,119 and ranges from $806 to $1,649. Car owners here can save up to $450. The cost of auto insurance is dependent on numerous factors ranging from the make and model of the vehicle to the driver’s age. Below is a list of ways to improve savings on car insurance in Santa Cruz, CA.

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Insurance Requirements:

Car insurance is mandatory for all vehicle owners in California. The minimum liability insurance requirements for private passenger vehicles are as follows:

  • $15,000 for injury/death to a person.

  • $30,000 for injury/death to more than a person.

  • $5,000 for damage to property.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

Car owners in Santa Cruz, CA, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Santa Cruz, CA, is $2,127, while it would cost $4,365 for four cars. The amount of savings on multi-car insurance in Santa Cruz also depends on the make and model of the vehicle.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Santa Cruz, CA, post-DUI, increases to $2,081. However, this is also dependent on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Post-DUI, the average cost of auto insurance for male teenagers increases to $4,536, while it increases to $4,516 for female teenagers. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Santa Cruz. Other violations that can have a long-term impact on auto insurance in Santa Cruz include driving with an expired license and running a red light. 

Credit Score:

Having an “excellent” or “good” credit score will also help car owners save more on auto insurance in Santa Cruz, CA.