California Auto Insurers And How They Rate You

California's regulatory scheme under Proposition 103 that make the state a national model. This keeps cheap California auto insurance available to all.

California is the only state to:

1. Require that a person's driving record be the most important factor in determining auto insurance rates.
2. Fund consumer participation in the ratemaking process if they make a substantial contribution.
3. Completely repeal its antitrust exemption for auto insurers
4. California is also one of only three states to prohibit credit scoring as a factor in setting cheap auto insurance rates.
5. California is also among eleven states with the strongest seat belt laws.
6. It is one of only four states to guarantee cheap auto insurance to a good driver from the driver's insurer of choice.
7. It requires insurers to be clear about how cheap California auto insurance rates are developed.
8. It will stop companies from passing on excessive costs including unjustifiable expenses, fines, and excessive executive salaries.
9. And California set the standards to test the assumptions insurers make in setting auto insurance rates.

California's Proposition 103 has been an massive success from both a consumer and an industry perspective. Cheap California auto insurance is available to most drivers.