One of the first things a person will ask when shopping for an insurance carrier is how much the premiums will cost, but there are other types of costs too that impact how much California car insurance may cost over the course of time. For example, a premium may seem especially low because it has attached to it a very high cost for deductibles, which are fees that must be paid in the event of an accident before payments for insurance can kick in. Coverage also varies between different companies which can influence the overall cost of a premium.