Ultimately, you will need to check with California's Department of Insurance. Insurance companies are required to file their rates and rules with state regulatory bodies such as the Department of Insurance. In most cases, they impose a surcharge or charge 'points' to drivers who have been charged with an accident and/or have made a claim against their policy. Also, depending on how many claims your insurance company had to pay throughout the year, your rates may increase even if you do not place any claims with them.

Remember, you can click here to get a car insurance quick quote UK (or in the United States) to compare your rates.