Auto Insurance Reviews

Getting a car for yourself feels so exciting, but remember that keeping a car is not cheap! You are going to need car insurance. Every standard auto insurance policy has the same coverage, depending on which insurance policy you go for. But, some insurance companies offer more coverage and value-added protection than others.

When you buy your insurance policy, you’d want a company that gives quality affordable rates, excellent customer service, claims satisfaction of customers, discounts, and extra coverage options available to choose from.

We have gone out and made deep research on the best insurance company to go for.

1) Chubb Auto Insurance Company
2) Marsh and McLennan insurance company

How to get a good price online for car insurance in California

California is one of the most populated states in the country with about 40 million residents. This means that it also is one of the states with the busiest roads. So before you think about cruising down the highway, consider getting yourself a good insurance deal for your ride.

With a lot of car insurance companies claiming to have the best coverage offered, finding the best car insurance in California is not that easy.So before you settle on an insurance company, consider shopping around first; and what better way to do it than to browse car insurance online. You don’t have to leave the comforts of your own home.

Before we dive deeper into which cheap car insurance online you should buy and how much you should be paying for – we should also know if your existing coverage or if you’re still planning to buy, meets the required minimum by drivers in California.

Minimum Liability Insurance Coverage

Different states have different minimum insurance coverage. With California, the minimum liability coverage is at 15/30/5 per California Insurance Code §11580.1b.

  • $15,000.00 – Bodily injury liability coverage
    • This coverage is used to pay for injury/death to 1 person.
  • $30,000.00– Bodily injury liability coverage
    • This coverage is used to pay for injury/death to more than 1 person.
  • $ 5,000.00 – Property damage liability coverage
    • This coverage is used to pay for damage to property.

A Liability Insurance Coverage is used to pay off or compensate another person for personal injury or property damage.

 

Is the Minimum Liability Insurance Coverage enough coverage for me?

While getting the minimum liability is appealing for those who want to buy cheap car insurance online and save money, getting a personalized insurance coverage is better.If you’re involved in a serious car accident, it’s possible that the medical expenses might exceed the minimum limit. That’s why most people go for insurance coverage that will cover more than the required minimum.

Car insurance companies based their computations on different factors. The premium a driver should pay is based on the level of risk each person presents, whether it’s the age, sex,occupation, and even driving history.

Shop Around to Get a Good Price

Shopping around for car insurance quotes might seem exhausting to do but it’s worth every effort. Not all insurance companies charge the same amount of premium and offer the same amount of insurance coverage. So before you settle on a policy, make sure to compare the prices of the car insurance online.

A good deal of insurance companies has expanded their business online. This means that it is easier and faster to get car insurance quotes online. 

Ask for a Discount

Not only is asking for a personalized insurance coverage ideal for getting a good price but so is asking for a discount.

Good Driver Discount

Good Driver Discounts are offered to people who have an excellent track record in driving. People might not realize this but the way you drive can have a drastic impact on the kind of rates insurers will offer you.

If you can go 3-5 years without any fender benders or tickets, then you’re on your way to getting a good driver discount. Some insurers will offer up to 20% discount just by being a good citizen and following simple traffic rules. Different states have different standards when offering good driver discounts, so make sure you’ve done a thorough research and compared all the rates offered.

Discounts for Anti-Theft Devices

Have you ever thought about giving yourself additional security by installing anti-theft devices in your car? You might be surprised but insurance companies offer discounts to people who have anti-theft devices installed. According to Fox Business, insurers are offering up to 25% discount to car owners with anti-theft devices installed in their vehicles. This is because when the insurance company knows that your car is less likely to get stolen, they’re going to offer you a good amount of discount simply because they’re confident that you won’t file for an auto theft claim.

Key Takeaway

Car Insurance is a big financial decision you’ll make, so before you decide on buying a car insurance online, make sure that you’ve done enough research. Consider at least 3-5 insurance companies.

Remember to shop around first and ask for discounts to get a good price online for car insurance in California.

How much car insurance do you need on your car?

how much car insurance do you need?

Finding out how much car insurance you need can confuse you.

You would need to make some inquiries about the right online car insurance policy that you can afford. Decipher how much coverage your state insurance policies offer and the rule they follow, making sure you get insurance coverage that protects your car.

Before doing this, make a deep research on the insurance policy you may get. Take a cab to any insurance company at your disposal and talk at length with an issuer. They would recommend on the insurance policy to go for. You also need to study their guidelines, rules, and regulation to have in-depth knowledge of what they can offer.

Why do I need car insurance?

Many people keep asking why they need insurance coverage. Is it worth it?

Yes! And here’s why

Getting car insurance is important to help you protect your assets, damages from natural disasters, car robbery, you, and others. We expect you to pay a small token every month, called deductibles. This would make sure it covers your car from all damages except regular car break downs you can handle yourself.

If you were involved in a car accident, and you have no active car insurance, you are not liable to get help or any form of coverage from the insurance company.

If you damaged another car, owning car insurance would save you from spending a lot of money on damages incurred.

what could happen if I don’t get a car insurance policy

Driving a car without car insurance can cause several consequences, financial and health risk taken. For instance, you lend your car out to a friend without insuring it you are putting you and your friend at an enormous risk

If you get stopped by a police officer on the road, driving an uninsured vehicle, they have every right to write you a ticket for violating the rules of owning a car. They may go further to tow your car, which is part of the penalties, and you would need to appear in court where you apply for a plea.

Car insurance rates

Determining the right car insurance that would be beneficial to you and also suit your budget is up to you. You cannot buy a car insurance policy just because your friend uses it. Although that may influence your decision a bit, the final decision on the car insurance policy to buy still depends on you.

The reason for this is that the value of your vehicle or assets would differ from your friend’s.

You need to understand how car insurance rates work. For instance, if the only asset you have is a $25,000 car, getting an insurance policy that enough to cover just that asset. Buying a bigger insurance policy would only cheat you and you would end up paying more. If you own more assets, the same thing applies to it, get a policy that would cover all your assets. Going for a lower insurance policy would come with penalties.

However, before buying car insurance you would need to consider the types of auto insurance so you can save money when the right time comes. The types of auto insurance include

  • Liability insurance- this type of insurance covers damages that may have occurred to the other party. That is if the accident is your fault. They cover injuries, damaged vehicles, and any other lost assets as a result of the accident all for the other party.
  • Collision insurance– this insurance covers damages on your car as a result of an accident. However, you would need to pay a monthly deductible to keep your insurance up to date.
  • Comprehensive insurance– this type of insurance covers other damages to your car that is not as a result of a car accident. They could include theft, hail damage, flood, fire outbreak, etc
  • Personal injury protection-this insurance pays for damages you or your passengers may have incurred as a result of an accident. It pays for all the medical bills you would need to pay.

At the end of the day, the amount you would need to purchase car insurance depends on the number of assets you have and their values. I hope this article was helpful to you!