Riverside Auto Insurance (CA)

Riverside, California, the county seat of Riverside County, boasts a population of a quarter of a million people. Did you know that the average commute time for those who drive to work in Riverside is about 29 minutes, three minutes longer than the nation's average? This may sound bad, but it could be a lot worse: neighboring Los Angeles is the number one most congested city in the country. Other California cities, San Francisco and San Jose, rank second and seventh, respectively. Comparatively, Riverside's ranking as tenth in the country looks good!

Unfortunately, the 31 hour per year average that the Riverside driver is delayed in traffic costs him or her about $560 annually. Additionally, the 22.6 million licensed drivers in California have to deal with the 21st highest auto insurance premiums in the country –  over $2,100. In addition to time and money, Riverside had 77 fatal auto accidents between 2001 and 2003.

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Protect Your Car and Save on Riverside Auto Insurance

In 2004, Riverside had more than 30,000 car thefts, which put it in 11th place in the country in terms of theft rates, so no matter which car model you invest in, make sure you protect it. Use safety measures like anti-theft devices and common sense measures like always locking your doors to minimize your chances of having your car stolen.

Though you may not be able to change the cost of auto insurance averages, you may be able to lower the cost of your own auto insurance. Here are a few factors that you do have control over that, when implemented, will decrease your car insurance rates:

• Move. Sometimes just moving to a different neighborhood can decrease your rates.
• Keep your speeding tickets and other traffic violations to a minimum.
• Minimize your accident claims as well.
• Maintain a good credit rating. Yes, it affects your car insurance, too!

Another way to get your car insurance premiums down to a more affordable level is to invest in a car that has a history of less expensive claims. For example, historically, car models that have the least expensive claims for theft include Buick models like the LeSabre, the Century, and the Park Avenue. Some GMC models have the least expensive injury claims like the Yukon XL 1500 two wheel drive, the Yukon two wheel drive, the Yukon XL 1500 four wheel drive, and the Sierra 2500 four wheel drive. The GMC Yukon two wheel drive and the GMC Yukon XL 1500 two wheel drive are also two of the least expensive vehicles for collision claims.

Another way to protect your investment in your car is to invest in car insurance with a reputable insurance provider. You spent a lot of money on your vehicle and will spend just as much in the way of car insurance. Make sure you choose a good company to represent you so that you know you are covered in case of theft or accident.

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Read about minimum auto insurance requirements in California >>

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Last Updated: August 19, 2010