How to Save on Car Insurance Rates

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The capital city – home of the Kings and enough stores, shops and clubs to keep you busy. But being close to action will cost you in more ways than one.

“Location is playing the bigger factor in the price that we are paying for car insurance than most consumers realize,” said Laura Adams, senior insurance analyst at

It’s a simple formula for insurance companies: population density and number of accidents per zip code determines what rate you’ll pay.

Los Angeles County drivers pay the most – about at 18% above state average.

Sacramento County comes in second at 9%, with San Francisco County at 8%

But even within these counties there are dramatic differences in rates. Take Sacramento County

“Consumers in the most expensive zip code, which happens to be 95823, they are paying 43% more than consumers who are in Folsom, which is zip code 95630,” Adams said.

Bu there are several things that you can do, even in the higher paying areas, to lower your insurance rates.

“We recommend that consumers shop at least once a year for car insurance. It’s just really the best way to save money,” Adams said.

Also be sure to ask your insurance provider about hidden savings. Things like marriage rates, or student discounts or bundling your insurance.

But the easiest way to pay less?

“Simply making sure you have a clean driving record is going to be a big factor in saving money in the state of California,” Adams said.

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