The Golden State is not known for being the cheapest place to live, but when it comes to car insurance in California, drivers enjoy some of the cheapest rates of any state in the US and the second cheapest in America. The cheapest cities are all over the map, with a few clusters in between, such as Los Angeles, San Francisco and San Jose. All have a relatively low population density, and 18% have fewer than 1,000 inhabitants per square mile, compared to the national average of 2,500 people per square mile.

The other California cities, such as San Francisco, San Jose and San Diego, are in between at an average of $1,000 per square mile. If you live in a city with less than 2,500 residents per square mile, you may be able to find a better rate if you are a good, experienced driver. Motorists can shop around for better car insurance rates by taking a look at the California Insurance Commission's California Car Insurance Rate Index.

This can be very helpful if you apply for insurance to repair a particular part of your vehicle. Your insurance company can refer you to the insurance inspection and check whether the vehicle was equipped with the appropriate components at the time of the claim. Drivers wishing to take out insurance could be given the option of having their vehicle inspected at a local garage, such as a mechanic's shop or a car parts shop. Insurance inspections become mandatory when an insurance company receives an application for cover for a newly purchased vehicle or when a vehicle changes carriers.

Body shops in Los Angeles charge more for repairs because of relatively high rental and labor costs, Johnson said. Sacramento is the most expensive place in the state to buy insurance because the rate of vehicle theft is higher than in many other cities in California. Car theft rates correlate with insurance costs because, according to the Insurance Institute for Highway Safety, theft rates are higher in 17 cities than in other California cities. While vehicle theft rates are below the federal average, the figures in Sacramento, San Francisco and San Jose, two of California's largest cities, are more than 50 percent of the national average.

Watsonville and San Diego have the highest average theft rates, but Camarillo has the lowest in the top 20. Chico, for example, had the second-lowest average theft rate in the state in 2012, behind San Francisco.

Only three Northern California cities ranked among the 20 most expensive insurance plans, including cities like San Francisco. The average resident of San Jose is $986.70 a year, while it's $1,002.97 a year for drivers in Fresno. Palmdale in northern Los Angeles County ranked as the worst suburb for commuters in Southern California, with the other three ranking among the worst 20th. It also made the list of the worst suburbs of Los Angeles for commuters, based on the average annual cost of car insurance for a driver in California in 2012.

With so many highly paid professionals driving in and out of the Bay Area, $50,000 is not enough for most of them, according to the Insurance Institute of California.

Get a quote online today or call 1-800-814-2914 to talk to a licensed agent about the best car insurance in your area and the most cost-effective rates.

From there, you can talk to a Watsonville life insurance company about whether to insure your care costs or choose a policy with guaranteed cash value. If you already have car insurance and then purchase car insurance from that company (depending on the condition of the company), you will receive a discount on your car insurance for about $5 to $15. However, this does not mean that you have to buy your policies from the same company, because sometimes the savings you get from buying a standalone rental policy are less than the cost of a multi-car or single car insurance policy. For example, if you insure several cars within the scope of your policy, we can offer you a multi-car discount policy at a lower rate.

If that's the case, there are some insurers that can offer special coverage for car shows and meetings. For example, if you take your classic car, Mercedes, Ferrari or Corvette, to a specialist at a cost that can be as high as $1,000 per car for a single-car policy, your policy should cover it. You can choose a business owner's policy for business events, such as a car show or meeting.

Like any business in any American city, local businesses in Watsonville are at risk at every level. Our company has the same large companies with names that require all insurance for businesses, and we are proud to serve businesses in Santa Cruz County and surrounding areas that require insurance inspection.