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California Got Hit Hard – Here's Why (the numbers don't lie):

• Car insurance rates in California increased nearly 50% in 2024

• Full coverage now costs drivers an average of $2,575 annually (11% more than national average)

• Another 12% increase from 2024 to 2025

• Commercial Auto: Fleet coverage that actually covers your drivers and cargo

• Some drivers are seeing 30%+ increases on their renewals

The Perfect Storm Causing This:

1. California Doubled Minimum Requirements (Jan 1, 2025)

• Previous: $15K per person, $30K per accident, $15K property damage

• New: DOUBLED these amounts due to Senate Bill 1107

• This alone caused massive rate jumps statewide
  
  

2. The Usual Suspects Got Worse

• Inflation is driving up repair costs

• More claims are being filed

• Higher medical costs for injuries

• Supply chain issues are making car parts more expensive

3. California-Specific Problems

   
   

• Insurance companies had rates frozen during COVID - now they're catching up all at onceMore claims are being filed

• Wildfire risks affecting comprehensive coverage

• Uninsured drivers - everyone else pays for them

4. New Potential Issues

• Tariffs could add an estimated $232 more per year by end of 2025

• Electric vehicle repair costs are astronomical

Let's Be Real About Auto Insurance in California Right Now

We're not going to sugarcoat it - auto insurance in California is expensive right now. Here's exactly what's happening and what we're doing about it.

Why Your Rates Went Up (It's not just you):

• California doubled minimum insurance requirements on January 1st

• Rates increased nearly 50% in 2024 across the state

• Repair costs, medical expenses, and parts are all more expensive

• Insurance companies are catching up from COVID-era rate freezes

For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.

What We're Doing About It:

• Shopping our extensive carrier network to find you the best available rates

• Maximizing every discount you qualify for

• Bundling with home insurance (often saves 15-25%)

• Finding carriers that still want California business

The Bottom Line: Everyone's rates went up. The question is: Are you getting the best rate available for YOUR situation? That's where we come in.