Santa Cruz insurance premiums can vary quite significantly

Most folks will take out an auto insurance policy at some point in their lives. After all, for the majority of California residents, owning and driving a car is a part of everyday life. It's crucial for California car owners and drivers to take out an auto insurance policy that covers bodily injury, bodily liability, and property damage – but this doesn't necessarily mean that everyone will pay the same amount in insurance premiums.
In fact, Santa Cruz insurance premiums can vary quite significantly between people. As frustrating as it may be for a number of consumers, there are a plethora of factors that can affect the cost of your insurance premium. These include:

• Your age and driving record – younger drivers and drivers with a history of accidents or traffic offenses will generally have to pay a higher premium than more experienced drivers or drivers without any penalties recorded against their name. When it comes to Santa Cruz insurance premiums, nothing affects the numbers like your driving record. It's tough to keep that in mind during the daily commute, but tickets and collisions can wreck your rates for quite a while.
• The type of vehicle you drive, and how often you drive it – large or powerful cars can cost more to insure than other cars, and cars that have a high repair cost will also cost more to insure. In addition, frequent drivers will probably have to pay more in premiums, as being on the road more often puts them at greater risk of being in an accident.
• Where you live – urban dwellers living in busy areas are considered more at-risk of an accident or vehicular damage than rural drivers. Because of this, big cities (Los Angeles, San Francisco, Santa Cruz) usually mean higher car insurance premiums for buyers.

There aren't many insurance companies anymore that are wholly dedicated to educating their clientele. With the rate of job losses and economic tumble in California, many branches of the insurance industry are cutting corners that they feel are less important – and one of those big corners is customer service. But if you, like many of your neighbors, are looking to stay knowledgeable about your insurance expenses, your best bet will likely be finding an independent car insurance agency in California whose focus is solely to act as liaison between you and the big insurance companies. Nothing saves coin quite like knowing the system.