Save on car insurance
But there are some steps you can take to help bring down the cost.
If you are buying a car, keep in mind that your choice of vehicle will help determine how much you pay for insurance.
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But the premium for the same policy would jump to 803 if he was driving a 2005 Mitsubishi Lancer Evolution.Insurance rates are based on the price of the car, how often that model is stolen and its safety record, says Jeanne Salvatore, senior vice president at the Insurance Information Institute.
State program offers low-cost car insurance
High unemployment in the central San Joaquin Valley is driving fear that more motorists are going without auto insurance because they cant afford it.
The most recent estimates from 2007 suggest that 18% of Californians did not have automobile insurance, said Darrell Ng, associate deputy commissioner for the state Department of Insurance. That was more than in any year since 1997, according to department estimates.
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To qualify, drivers must be at least 19 years old, have a good driving record, own a vehicle valued at less than 20,000 and fall below certain income thresholds. For a family of two, thats 36,425 or less per year.
Such coverage carried an annual premium ranging between 632 and 2,200 for a married couple in 2007, according to a Department of Insurance survey of insurance companies.
Qualifying drivers can upgrade their coverage for a few more dollars per month through the insurance company to which they are assigned, Ng said.
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The basic insurance is catching on with motorists. In the first 10 months of 2009, the number of drivers enrolled in Fresno County has more than doubled, from 311 to 707. Similar growth is reported in other Valley counties. But officials say they believe there are thousands of drivers in the Valley who qualify but likely dont know about it.