Selecting an Insurance Company

Do all car insurance companies offer the same coverages?

Absolutely not. Even though many of the basic coverages— Liability, Collision, Comprehensive, Medical Payments, Uninsured Motorist, etc. — are offered by all auto insurance companies, discounts and specialized coverages can vary greatly.

Are auto insurance companies regulated?

Yes. California requires auto insurance companies to file how they calculate customer rates, and insurers cannot deviate from these filed rates. California also has regulators who review that information and track the rates that companies charge.

The California Department of Insurance conducts annual surveys of insurers licensed to transact insurance in California. The annual automobile premium survey is based upon a number of scenarios, or hypothetical risks, that represent the most common variables. The results of these surveys provide helpful insurance information for consumers and are reasonable indicators of the differences in premiums charged by insurance companies.

Why should I shop with Cost-U-Less?

Cost-U-Less has been in the car insurance business in California since 1980. Cost-U-Less offers its customers unique buying power with the ability to shop more than 100 insurance options, so our rates are great.