Palos Verdes Estates Auto Insurance Rates, Quotes, Agents & Reviews in CA

Palos Verdes Estates, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Palos Verdes Estates, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Palos Verdes Estates, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Palos Verdes Estates, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Palos Verdes Estates, CA with that of other cities in and around Palos Verdes Estates.

Palos Verdes Estates Lomita Rolling Hills Estates Rancho Palos Verdes Rolling Hills Hermosa Beach
Average Insurance Rates $2,411 $1,950 $2,203 $1,553 $2,566 $2,232

Palos Verdes Estates, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Palos Verdes Estates, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Palos Verdes Estates $2,492 $2,105
Rancho Palos Verdes $2,224 $1,878
Rolling Hills $2,643 $2,232
Rolling Hills Estates $2,341 $1,978
Lomita $2,009 $1,697
Torrance $1,149 $971
Redondo Beach $2,175 $1,837
Hermosa Beach $2,299 $1,942

Palos Verdes Estates, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Palos Verdes Estates, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $7,823
20 Years $3,098
30 Years $2,386
40 Years $2,296
50 Years $2,126
60 Years $2,156
70 Years $2,509

Palos Verdes Estates, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Palos Verdes Estates, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $4,243 $579
3 Vehicles $6,365 $868
4 Vehicles $8,487 $1,157

Savings on 2 Vehicles bundle:$579

Savings on 3 Vehicles bundle:$868

Savings on 4 Vehicles bundle:$1,157


Palos Verdes Estates, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Palos Verdes Estates, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Palos Verdes Estates $2,411 $5,936
Rancho Palos Verdes $1,553 $3,824
Rolling Hills $2,566 $6,318
Rolling Hills Estates $2,203 $5,424
Lomita $1,950 $4,801
Torrance $1,622 $3,994
Redondo Beach $1,497 $3,686
Hermosa Beach $2,232 $5,496

Palos Verdes Estates, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $2,069
Excellent (740-799) $2,361
Good (670-739) $2,512
Average (580-669) $3,278
Poor (300-579) $3,933

Palos Verdes Estates, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$106 $2,517
Driver's Failure In Showing Documents +$234 $2,645
Driving With An Expired Registration +$248 $2,659
Driving At A Considerably Slow Pace +$523 $2,934
Using A Cellphone While Driving +$552 $2,963
Running A Red Light +$562 $2,973
Speeding +$591 $3,002
Driving A Vehicle Without The Required Permission +$750 $3,161
Driving With An Expired/Suspended License +$1,625 $4,036

Palos Verdes Estates, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $2,315
Active Disabling Device $2,315
Tracking Device $2,266
Passive Disabling Device $2,242