Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
There are a limited number of factors that go into developing the rate an insurance company charges. In California they are different from other states. Insurance companies are obligated to stay financially viable in order to pay future claims. The insurance commissioner supervises this process. The various insurance companies are all “fishing” in the same pool. Eventually their experience is going to be similar and there rates should also be similar. You might find a spread of rates for a particular auto at a particular time, however, the spread could be there a year later with different insurance companies.
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The car insurance with the best rates can vary, depending on where you live, the type of vehicle you have, and your driving record.
An experienced broker is perhaps your best resource to help you find the cheapest available prices, and help determine the c overages that are most ideal for your situation.
An experienced broker is perhaps your best resource to help you find the cheapest available prices, and help determine the c overages that are most ideal for your situation.