It pays to shop around for car insurance. California rates can vary by as much as a third for the same driver in the same car at the same address.
An analysis by CarInsurance.com, an Internet car insurance clearinghouse, looked at rates for an unmarried 40-year-old male who commutes 12 miles to work each day.
The hypothetical insurance had policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident and a $500 deductible on collision and comprehensive coverage. This hypothetical driver had a clean record and good credit.
The average annual premium from six national carriers in all ZIP codes was $1,277 for a 2012 Honda Accord. However, the least expensive premiums averaged $870, or 32% less. The analysis looked only at price and did not consider customer service variations between insurers.