Buying auto insurance is required in California. If you are stopped with having proof of insurance, you may lose your license. That's why it's imperative to get insurance. However, because your rates will ultimately depend on your driving record, age, and the kind of car you drive, there are several things you'll need to consider when finding the best auto insurance rate.
First you need to understand the basic requirements in California. You need to get $15,000 worth of coverage for each person to cover injury or death. For two or more people, you'll need to get $30,000 of coverage for injury and death. For property damage, you'll need to have at least $5,000 of coverage. Keep in mind these minimum coverage levels required by law only cover damage to other people and other people's property. To cover damage to your own property, you'll need to get extra coverage.
Depending on what kind of car your drive, and how much it will cost to be replaced, you may require varying levels of extra coverage. Also, despite insurance being required in the state of California, many drive without it. That's why getting coverage for uninsured motorist is advisable in many cases.
Once you know how much coverage you need, you'll need to shop around. The first step would be to call around and get quotes. Another strategy is to get quotes online. Keep in mind that in order to get a detailed quote, you'll need to speak with an agent.
Some of the things that affect your coverage will be your age, your driving record, and where you live. If you have a clean record, you can expect to pay a lower premium. Another thing that affects your rates is your deductible. This is the amount of money you'll need to pay out of pocket in case of an accident. For example, let's say you have a $500 deductible, and you get into an accident causing $5,000 in damage. You are required to pay the first $500, and then the insurance company will pay the remaining $4,500.
The higher deductible you have, the lower your premiums will be. However, it's important to note that the deductible should be an amount that you would be able to pay in case of an accident.
Once you shop around and get a few quotes, you'll need to choose an insurance company that provides the best service. There are several ways to do this. Bigger companies generally have better reputations. Also, you can read several reviews of online insurance companies. This will give you an idea of how accessible your agent or customer service is. You'll also get an idea of how quickly and effectively they will be able to pay your claims.
Shopping for insurance isn't the most exciting thing in the world, but it's necessary. By understanding the coverage you need, and finding a reputable company, you'll get good coverage that will be there when you need it.
Get an Auto Insurance Quote
* Find a local insurance agent
* Or get a car insurance quote online
* Or call (877) 604-0313