Chimezirim Chinecherem Odimba asked:




Would you like a more affordable rate that is also the right coverage? Let’s look at a number of sure-fire steps to getting just that…

1. Keep an excellent credit rating. Having a bad credit history is simply making it difficult for yourself in addition to the fact that your premium will be much higher. The truth is that they believe that the likelihood of you missing payments of your premiums is very high. This perception of high risk makes such individuals attract higher rates in auto insurance and other insurance policies.

2. Some insurers will give you a discount if you are part of an auto club. Even if this discount is negligible it’s still some savings for you.

3. For no reason must you allow your auto insurance policy to lapse. You’ll get very expensive rates for a long time if you let this happen albeit by mistake. Don’t allow such a mistake if you’re switching since that’s one situation where this happens to a lot of folks.

One way to be certain you do NOT make this costly mistake is to leave your old policy intact until you’re sure the new policy is in full force. As simple as this may seem, many folks are bearing the weight of higher rates because of this silly little oversight.

4. Let us say, for example, that you will get a 5% (or $195) discount after your third year with an insurer where you current auto insurance rate is $3,900.

However, because of inflation, insurers may have to re-adjust their rates to contain those changes. Within the course of these three years you might get an insurer who’ll offer you a comparable auto insurance coverage or better for under $3,000. In such a case, it is of no value to stay put because you want to get a loyalty discount years later when you can get cheaper rates at the moment.

It’s a sure fact that most folks can pay a lot less with another insurer if they’ll only make out time to shop extensively. In order to know if you are not simply missing out a better deal, obtain and compare auto insurance quotes not less than five insurance quotes sites.

5. Ask your agent personally about all the discounts possible with your preferred insurance provider. It is possible that your agent has left one or two out. You will discover simply by telling your agent that you want to be sure you have been told about every discount possible for your profile. You might get a very pleasant surprise!

6. Visit a minimum of five insurance quotes sites. Visiting not less than five quotes sites raise the chances that you would obtain cheaper auto insurance quotes. This is because insurers not represented by one site will be covered by the other.

And, you know that since your chances of getting lower auto insurance quotes has to do with the number of quotes you obtain, the more companies you get quotes from, the higher your chances will be. Requesting for your auto insurance quotes online will help you save much more if you sacrifice only 25 minutes to get quotes from not less than five quotes sites.

Chimezirim Chinecherem Odimba asked:




A (California) cheap car insurance quote isn’t something that most under-25′s see. However, any under-25 who sticks with certain proven tips will enjoy cheap car insurance whether they live in California or not. Here are things that will make it happen…

1. Raising your deductible. If you elect to pay a high deductible, you will have a more affordable premium. But be aware that you would bound to provide that amount first before any insurer does anything if you ever file a claim.

2. Insurance companies have unique driving classes that are meant to make you a better driver.You must have heard of defensive driving. Take courses in defensive driving. More than making you drive better, it will help you get cheaper insurance.

3. Make sure you get a car that has safety gadgets. Let your insurer know you have these in your car. Since they will keep you and your car safer they are regarded as better risks by insurers. Those cars will attract discounts.

4. Settle for a cheaper car if you really want (California) cheap car insurance quote. Avoid sports cars and cars that fall into the “expensive to insure” category. You can buy a comparable car that is less expensive to insure. But as a rule of thumb: Big cars, expensive cars, sports cars and vehicles with a bad record of theft are much more expensive to insure. Sports cars are also very expensive to insure.

5. Students who make impressive grades are rewarded by insurers with reduced car insurance premiums.

6. You can be on your parents’ car insurance policy. Howbeit, for this to work you must reside with your parents and have the car registered in their name. If prefer living on your own then prepare to pay higher premiums.

7. Bring down your mileage as much as possible. The more you drive the greater your risk to the car insurance provider. There’s no way you’ll have cheap car insurance quotes for California if you use your car a lot.

8. Your credit history exhibits a lot about you. Because you pay your bills when due most insurance companies will reckon that you are a dependable person and, consequently, a lower risk.

9. You can get savings of over $1,000 on your insurance policy by requesting for insurance quotes from insurance quotes sites. Requesting quotes from a minimum of three quotes sites increase the chances that you would get more savings. This is because insurers not represented by one site would be represented by another.

And because your chances of getting a (California) cheap car insurance quote is related to the range of quotes you get, the more insurance companies you obtain quotes from, the higher your chances. This gives you a broader basis for doing better comparisons thereby increasing your chances of realizing more savings.

Jeffrey Wells asked:




When an individual is looking for a car to buy in California, it can be tempting to only decide based only on how much the car costs. There are other costs associated with owning a car too, the chief one of which is car insurance. Since high car insurance rates can derail any savings realized by lower monthly car payments, it is important to consider any car’s typical costs of insurance before buying it. Some cars prove to be among the cheapest to insure in California. This is based on a variety of factors.

A person’s driving record is only the beginning point in deciding how much a particular car’s insurance will turn out to be. Every company’s rates and the ways that they determine them will vary. Still, a factor that will definitely turn out to be important in the rate game is what kind of car one is driving.

A good thing to consider in looking for the cheapest cars to insure in California is how does the particular vehicle do in the categories of safety features that are included, crash test results, and rates of theft. Cars that come with extra safety features and anti theft devices, that do well in their respective crash test results, and that are not stolen so often will usually be less expensive for an individual to get insured. It makes sense that cars that thieves like, that stand out, and that perform poorly in crash tests will cost significantly more to have insured.

The safest way to determine how much a car will cost the person to insure is to get auto insurance sample rate quotes from well regarded Internet sites. There are a number of these out there such as Kanetix that will provide accurate estimates on the amount in premiums that an individual will likely have to give. Using only the year, make, and model of the vehicle will be sufficient to obtain good working estimates of rates. With an exact car’s Vehicle Identification Number, the results will be more exact.

There are three questions that a person can ask to figure out what the rates will be like otherwise. Is the car a sports car that provides incredible performance and great engine power? This will scare insurers into higher rates since they know that drivers will be tempted to take it for joyrides and that any necessary repairs will be expense. Next, how large is the vehicle? While the bigger size of an SUV may give it greater safety ratings, it will also require higher liability coverage since such vehicles create a greater amount of damage in accidents than do smaller cars. Finally, is the car family friendly? Insurers believe that family sedans, minivans, and other family vehicles are less likely to be driven recklessly since they are carrying precious children and family members. These prove to be the least expensive cars to insure and drive because of this.

With that in mind, here are the ten cheapest cars to insure in California:

10. Oldsmobile Bravada
9. Jeep Wrangler
8. Saturn Vue
7. Chevrolet Astro
6. Chevrolet Venture
5. Saturn L Series Wagon
4. Chrysler PT Cruiser
3. Saturn L Series Sedan
2. Pontiac Montana
1. Oldsmobile Silhouette

Eric Morris asked:




California law requires that drivers have evidence of auto insurance if they are driving their own car or someone else’s. People who own a vehicle but don’t drive it are still obligated to have auto insurance in California.

California’s Compulsory Financial Responsibility Law necessitates all drivers and owners of an automobile to be financially responsible for their actions. The statutory minimum limits of liability insurance in California are that the person responsible for an accident that results in the death or injury of one person is liable for $15,000, or $30,000 if there are multiple injuries in one accident. The responsible party is liable for $5,000 of property damage for any one accident.

There are four techniques to realize financial responsibility, including coverage by a motor vehicle or automobile liability insurance policy, a cash deposit of $35,000 with the Department of Motor Vehicles (DMV), a certificate of self-insurance issued by DMV to owners of fleets of more than 25 vehicles, or a surety bond for $35,000 obtained from an insurance company licensed to do business in California.

When a vehicle is in an accident for which the driver is established as a legally liable, bodily injury liability covers their liability to others for injuries to them, whereas property damage liability covers their liability for damage to someone else’s property.

All California drivers and owners need to have at least the statutory limits of minimum liability insurance or an approved substitute method to compensate for injury or property damage they may bring about. Penalties are extremely harsh for nonconformity with this segment of the vehicle code. Comprehensive coverage (other than collision), uninsured motorist, medical payments, and collision insurance are not required by law but can be a good investment.

Frank Merrill asked:




California Low Cost Car Insurance

Here are 3 tips for saving money on auto insurance:

1. What Is California’s Compulsory Financial Responsibility Law?

California’s Compulsory Financial Responsibility Law requires all drivers and owners of motor vehicles to be financially responsible for their actions. Drivers must show that they can pay for damages or injury to others resulting from the operation of a motor vehicle.

2. Understand Your California Auto Insurance Needs

So do you rent or own your own home? Do you have assets you want to protect ? Check to see if your own health insurance covers auto accident injuries? Some people are surprised to find out that they aren’t covered from their group health insurance in situations like this. How much car insurance coverage can you afford comfortably?

3. Bodily Injury and Personal Property Liability

The two major components of automobile insurance policies involve liability coverage. This insures the policyholder against injuries caused to another person and to property as well. These requirements are typically listed as a series of three numbers that define how much, in thousands of dollars, the policy will cover in the event of an accident. You can learn more about this at the link provided below.

Auto Insurance Quotes In California

One of the best ways to learn more about getting auto insurance in California is to go to an insurance quote website and request free online quotes. After you complete their short form, you get several low auto insurance quotes instantly. Then you can compare plans and visit their websites for more detailed information.

Austin Davis asked:




California auto insurance is compulsory for all drivers in the state. California is a tort state, which makes you financially responsible for injuries and damages in auto accidents. Maintain a good driving record with higher deductibles to arrive at affordable California auto insurance with sufficient coverage. Of course, other factors like number of miles driven each year, driving experience, etc. play prominent roles in deciding your insurance rates.

What decides my financial responsibility?

You can prove your financial responsibility in any one of the following ways:
Have an automobile liability insurance policy Surety bond for $35,000 from insurance company to do business in California Self-insurance certificate of DMV, if you own more than twenty-five vehicles Cash deposit with DMV for $35,000
What is the minimum coverage available?

California auto insurance offers minimum liability insurance of $15,000 for physical injury or death per person per accident, $30,000 for all persons affected in an accident, and $5,000 for damages to property per accident. Your insurance coverage should have this minimum coverage; otherwise, you should provide alternative methods of paying for damages due to any accident. California law does not make other coverage like collision, comprehensive, medical payments, uninsured motorist, etc. compulsory.

How you can acquire auto insurance?

There are many insurance companies in California offering different insurance rates for their policies. Different companies calculate their rates according to their experiences, expenses, losses, etc. You need to scout around for various insurance companies, agents, brokers, etc. to get a fair idea of different rates in same geographical region. You can take help of the Internet or call up different insurance companies to gather information. Thereafter, you can choose the most suitable insurance company, which offers necessary coverage at rates affordable by you.

What if no company is willing to insure my vehicle?

It is possible that no California auto insurance company is willing to provide you coverage. You can then receive liability coverage through California Automobile Assigned Risk Plan (CAARP). You need to approach such agents or CAARP directly. They then assign your application to any licensed insurance company. All such insurance companies have to accept CAARP applicants and there can be no broker’s fees or charges. You can take up a regular insurance from standard companies after three years of clean driving record.

Asheesh Mani asked:




There are many things you need to understand before going in for auto insurance. Before purchasing insurance in California, it is necessary to understand the rules governing the policy and the coverage of the drivers. Every person is responsible in case of an accident. All drivers are required to possess a California auto insurance policy.

policies come in different price ranges; however, there are low price California rates as well. There are several companies listed online and thus it is essential to search with care, compare, and seek the best cover with the best price. You can carefully review and evaluate their terms and settle for the one with the best conditions.

An Overview

It is a mandate by the California law to possess a proof of your auto insurance with you every time you drive your vehicle. It is also compulsory to have indemnity if you own a vehicle. but do not drive it at all. You need to have the documents related to the insurance all the time with you. This can include the proof of your payment, car registration, policy document etc.

Earlier it was quite difficult to get a quote for your car. You had to fill in big forms, stand in queues or mail them, do the paper work, wait for a response from them and then get a quote. This quote may also not be suitable for you. Now, with the internet, you can get quotes for your car within minutes. You can even get this information over phone. Online quotes are instantaneous and are very convenient for consumers today. The companies now offer free quotes when you approach them with a query. They offer their services through the web and this helps you to compare the different rates offered by these companies.

Decision as well as changes to be made to an existing account can be made online. Internet gives you the facility to access your policy online and saves the trouble from standing and waiting to have a meeting with an agent.

You can now get the best California auto insurance if you are already holding another policy, like life insurance with the same company. It is wise to go in for the same provider to avail better discounts. These discounts can make a good saving on your monthly bills. If you have a good credit, this can also make a mark on your quotes. You need to choose the coverage of your policy carefully. Some full auto insurance cover might merely cover the damage, but may not have a medical cover. Always discuss the extent of cover with your company to get the package you require.

Terry Edwards asked:




With the increase in the price of commodities and definitely gasoline, everybody is looking for help in cutting expenses, yet still getting quality assured merchandise in the marketplace. This certainly includes auto insurance as well. The state of California is serious in trying to help offer the people the chance to insure their vehicles at the most affordable rates. But, does California cheap car insurance really exist?

Lower Budgets

For those who have a low budget for auto insurance you may be in luck with a program called the California Low Cost Auto Insurance Program (CLCA). It is designed especially for those on a tight budget who need help in maintaining insurance coverage. The CLCA policy proposes the cheapest form of liability insurance to help provide citizens of California an option in getting coverage.

The monthly expenses for this insurance are made to suit the lifestyles for those who wants an easier way to obtain and continue to pay for car insurance. However, not everybody can get the CLCA program because of certain requirements that are needed in order to qualify for the policy.

Basic Coverage For Everyone

The California Basic Liability Program is also the cheapest policy which is intended for people who did not qualify under the CLCA. If you are caught in a vehicular mishap, the third party in the accident will receive a maximum amount of $15,000 for medical expenses and a maximum amount of $30,000 for two or more people injured from the program for their medical expenses.

Regarding the damaged property caused by the policyholders accident, the program will give a maximum amount of $5,000. While this amount is very minimal, it provides everyone the opportunity to obey the law and have insurance coverage. So is there such a thing as California cheap car insurance? For those who can’t afford regular car insurance from standard companies, there is at least a basic option that is certainly affordable to everyone.

Josh Riverside asked:




Car insurance is a cover provided to automobiles on the payment of a premium, against any kind of loss. It means that in case of an accident, the insurance company will compensate any financial loss. A person is required to pay a fixed amount, which is known as premium, to the company on a regular basis. Classic car insurance is different from regular car insurance on the basis of, the type of coverage offered and the terms of claims. Classic car insurance in California has insurance laws and coverage options designed according to the state laws.

In California, classic car insurance can be applied for, only if the car is more than fifteen years old. The owner of the car must have held a driving license for more than ten years, and must also have at least one other car, for regular use. Further, it is mandatory for a classic car owner in California, to provide a garage to house the car, when not in use.

Regular car policies that are available are Actual Cash Value and Stated Value policies. Actual Cash value policies pay the insured the adjusted value of their cars in case of irreparable damage to the car. This adjusted cost is calculated by subtracting the depreciated value from the original value of the car. Stated Value policy is where the insurer pays ?up to? a certain amount in case of a claim for total loss. Both these policies are unsuitable for classic cars, as their value does not depreciate but rather, appreciates.

Therefore, the type of insurance policy preferred by the California classic car owners is the ‘Agreed Value’ policy. Under this type of policy, in case of total loss, the insurer is liable to pay a sum that, the insurer and the insured agreed upon while drawing a contract.

There are also many driving restrictions, while purchasing classic car insurance. There are limits on mileage, as well as speed. The owner of the car is also not allowed to use it for daily errands or commuting as a regular car might be used.

Ted Kripps asked:




If you are a licensed driver in the state of California, you are required to show financial responsibility. The financial responsibility can be shown in several ways, including California Auto Insurance, a thirty-five thousand dollar cash deposit with the DMV, a bond for thirty-five thousand dollars or a self-insurance statement issued by the DMV.

Most drivers choose the option of insurance. In California, the minimum requirement for liability insurance is 10/20/5. This means that your insurance will pay ten thousand dollars insurance to pay for personal injury of anyone not in you vehicle, a maximum of $20,000 if two or more persons are injured and five thousand dollars for any property damaged during the accident.

If you have had any dealings with the medical community in the past few years, you will quickly realize that if a person spends any time in a hospital at all, the ten thousand dollars will be used up very quickly and leave you responsible for a large portion of the health care of the person who was injured.

Twenty thousand dollars for more than one person’s injuries is also insufficient. There are numerous multi-passenger vehicles on the road that routinely carry fifteen or more passengers. If you are responsible for an accident in which all the passengers are injured, you will be lucky if this amount of insurance covers the initial exam by a doctor for all patients.

You will find the minimum of $5000 to also be inadequate, as most vehicles today begin at a minimum price of almost twenty thousand dollars. Having only the state minimum insurance would leave you owing for three fourths of the replacement value of a vehicle that you damage.

While the state minimum may be fine for a minor accident, you will want far more in coverage than the state minimum to feel secure in your California auto insurance coverage.