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California Auto Insurance for Different Life Stages – Five Facts to Keep in Mind

All drivers know that auto insurance is a legal requirement by law but most just do it because of this reason without taking time to study their insurance cover. Most people are confused by the numerous types of Auto Insurance in California covers that are available. The industry’s jargon does not make it any easier so many people choose to go with the most common cover around. One must follow the few guidelines mentioned herein to make the best decision and at least to stay informed. First of all, one should be familiar with the various types of insurance policies available and to know what one is paying for.


California and many other states in the US, require a driver or vehicle owner to have a liability insurance that should take effect in case of an accident. This insurance covers any injuries or damages resulting from the accident depending on which insured party is at fault. If the vehicle is financed either through a loan from whichever institution, the lender or financier requires the driver to have the insurance in the car to act as a cover in such an event. Other forms of coverage like the Uninsured Motorist Policy, covers you in the event that the party at fault in the accident has no insurance or if their policy is not sufficient to cover damages to yourself or the vehicle.

When purchasing a new car also keep in mind the cost of insurance to cover the vehicle. Some vehicle brands and models cost more to insure than others. Sports cars may cost more to insure than regular sedans.  Many other factors may also affect the cost of insurance cover. In some states just like California, persons over 25 years of age pay less in terms of auto insurance than others. This is because people below that age are more likely prone to cause accidents due to inexperience or sheer carelessness brought about by youth. Mature people know all too well the cost of insurance and will avoid instances where their premiums may be increased like traffic tickets, DUIs and many others

Another important factor to put in mind is the level of insurance coverage you need.  This will heavily depend on what you mostly use your car for. If it is just for leisure then the cover shouldn’t be so high. But if it is related to your work, the coverage has to be high since without the car you will not be able to make money and subsequently unable to make a living. There are numerous insurance agents, brokers and companies online.

By entering your Zip in this site, you browse them and get advice on the best insurance cover for your vehicle. Compare many insurance company quotes against themselves and contact an insurance broker for more information in case you are unsure.