![]() After determining all the characteristics of your risk, the insurer calculates the actual amount of premium they will charge for your policy. As an example, an insurance company's rate for automobile insurance might include a discount if you have more than one policy with the insurer and an additional charge if your vehicle is a sports car. The rates form the building blocks of the premium you eventually get charged, and include discounts for some risks and additional charges for other risks. Insurers base the premiums they charge on insurance company rates that are filed with and approved by the California Department of Insurance. How Do Rates and/or Premiums Affect What I am Charged? Online rate comparison for the top 50 workers' compensation insurers Information on the CA Workers' Compensation Rate Comparison.Insurance that you may need when you are not able to do some of the basic "activities of daily living." Including Condominiums, Renters and Earthquake Insurance. Online sample rates comparison for Private Passenger Automobile and Motorcycle. ![]() Premium Survey Notes: The results of these surveys are not premium quotes. The results of these surveys are good indicators of the differences in premiums charged by insurance companies. The links below provide helpful insurance information and an interactive tool for consumers to use to obtain a premium comparison between insurance companies. In accordance with California Insurance Code Sections 12959, 10234.2.20, we survey insurers licensed to transact insurance in California and ask them to provide their annual premiums for various lines of personal insurance. What Type of Insurance Are You Shopping For?
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