Located in Riverside County, Moreno Valley is one of the fastest growing towns in California. With a growing economy and fantastic weather year round, it's not hard to see why. Moreno Valley currently boasts a population of over 120,000 according to the U.S. census. Unfortunately, it's not all pleasant weather for those residents--many are drivers, and owning a car in California can get prohibitively expensive. This becomes especially apparent when looking at Moreno Valley auto insurance quotes. However, by understanding the factors that affect a policy, drivers in Moreno Valley can keep their costs down and find great rates.
For instance, as traffic congestion is a big problem in Southern California, many insurers charge higher rates for drivers in that area. From their perspective, more traffic means more accidents and more costly insurance claims. Moreno Valley car insurance companies often take a higher likelihood of claims into account when assigning rates to new policies. Of course, you can't really move just to get a lower insurance rate, but by keeping the mileage low on your vehicle, you may be able to apply for a low mileage discount. Some California insurers are taking part in special programs that allow drivers to log their miles and, at some point, possibly even pay by the mile for car insurance--this could potentially be a great development for drivers in the area, particularly those who use public transportation to commute to and from their jobs.
The vehicle you drive has an enormous effect on the cost of your policy. In fact, it's one of the biggest components used when figuring Moreno Valley car insurance quotes, other than the record of the driver. Look online for safety ratings before you buy a new vehicle, and if your car's insurance costs are prohibitively high, it's not out of the question to consider trading in for something more reasonable. Sports cars and newer vehicles usually carry the highest premiums, as claims on these vehicles typically cost insurers more. Do your research before buying, and you'll cut your costs substantially.
If you're not willing to part with your vehicle, there are certainly other ways to decrease your rates. Ask your insurance company about discounts that they offer, and collect as many Moreno Valley auto insurance quotes as possible before deciding on a policy. We offer a tool that allows any driver in Moreno Valley to research several quotes. After entering your zip code, several rates from major insurers will be displayed. It's well worth the time, as the rates of competitors can be a powerful negotiation tool the next time you're reviewing your policy.