Which Car Insurance Has The Best Rates? 
There are a limited number of factors that go into developing the rate an insurance company charges . In California they are different from other states . Insurance companies are obligated to stay financially viable in order to pay future claims . The insurance commissioner supervises this process . The various insurance companies are all fishing in the same pool . Eventually their experience is going to be similar and there rates should also be similar . You might find a spread of rates for a particular auto at a particular time , however , the spread could be there a year later with different insurance companies . 