Car Insurance in the City of Paradise

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Jun 26, 2017

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Here's what you need to know...
  • Many factors go into your car insurance premiums
  • People in Paradise, California must abide by the state’s car insurance requirements
  • Finding discounts is a great way to save money on auto insurance

Car insurance companies in Paradise, California use a large variety of factors to determine car insurance premiums.

Most people know that things like a good driving record, car safety features, and driving on roads without congestion lead to lower premiums.

There are other details that go into the calculating of insurance premiums. For example, one’s occupation also has an impact on the cost of insurance.

While changing jobs to save money on coverage for car insurance may not be entirely feasible, it is a good idea to compare the rates offered by the different insurance companies and agencies to get the best possible rates.

Find low car insurance with our rate comparison search above. Simply enter your ZIP code now!

City Information for Paradise

Paradise is located in Butte County and is deemed to be a part of the Chico Metropolitan Area which is located approximately 100 miles northeast of Sacramento.

The population of Paradise, according to the 2010 census, consists of 26,217 people.

The town covers a total area of a little over 18 square miles that is spread out on a wide ridge rising between deep canyons.

Paradise Car Insurance Requirements

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California requires that each driver has proof of financial responsibility. If one is involved in an auto accident and found to be at fault, they are responsible for paying for the damages incurred as a result of the accident.

Most people have insurance to cover this requirement, but if they do not abide by this law, one of several things can happen.

  • If upon being asked for evidence of financial responsibility by an officer, one cannot produce it, they could get a ticket for $1,000 or more
  • The uninsured vehicle can be impounded in addition to incurring a fine
  • The vehicle registration can be suspended if an insurance policy is not activated within 45 days of cancellation, the insurance provider fails to electronically provide insurance details to the DMV within 30 days after a vehicle registration has been issued, and if false information is used to obtain proof of insurance.

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Paradise Car Insurance Laws

Paradise insurance laws require that a minimum amount of liability proof be carried by owners of vehicles.

The minimum liability amounts are divided as follows:

  • Medical expenses up to $15,000 for injury to one person in each accident
  • Medical expenses up to $30,000 in total have to be paid by the person found to be at fault for the accident
  • For causing damage to third party property, a maximum of $5,000 is payable in each accident

There are four essential ways of showing financial responsibility.

  • The most common way is to buy a liability insurance policy from an authorized dealer.
  • One can also deposit a cash amount of $35,000 with the Department of Motor Vehicles
  • Or one can get a self-insurance certificate from the DMV; however, this is limited to individuals who own more than 25 cars, like car dealers
  • One can also acquire a surety bond for $35,000 from an insurance company licensed to carry out business in California

Average Paradise Car Insurance Rates

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Auto insurance rates take up a big portion of the average household income in Paradise. So it is important to make sure one is able to get all the discounts they are entitled to.

Not all the insurance companies offer all the discounts.

It pays to find out which companies in Paradise offer which discounts and then select a company where one can take advantage of most quotes.

Some of the discounts some companies apply include:

  • Low mileage discounts
  • Senior citizen car discounts
  • Maintaining a clean driving record and not getting any tickets or other violations in the previous three years
  • Buying a car that has a high government safety rating
  • Having a car that has safety features like automated seatbelts, airbags, and a tracking system
  • Paying premiums in full, getting a longer term policy or bundling policies

Online comparisons can help one to find the cheapest quotes and discounts can further reduce the cost of insurance.

To be able to get the lowest possible quote, it pays to make sure that every possible discount is taken advantage of.

Compare Paradise Car Insurance Quotes

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Since numerous factors are taken into consideration by automobile insurance companies when determining rates, different companies end up giving different quotes to customers for the same policy.

One of the factors that determine the rate is their experience in the area where the person seeking insurance lives.

If the person lives in an area where one company did not get many claims, its insurance quote will be lower than another company giving a quote for the same policy that had to pay out many claims in the same area.

Insurance prices fluctuate as do the circumstances of drivers. It is a good idea to compare rates at least twice a year to make sure that one is not paying too much.

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