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What To Do If An Accident Occur And You Do Not Have Car Insurance

May 9, 2014 by

Many questions arise in the mind of a person that is not insured, is planning to be themselves insured, can’t seem to arrange cash for their auto insurance premiums, or are planning to eliminate their insurance. This is the case with all types of insurance, whether they are health insurances, home insurance, and field or pasture insurances or car insurances. A person then searches for the answer to their questions.

The many questions that they have on the back of their minds are questions like what if they cannot pay their premiums, what if they do not claim their insurance in time, what if they make an insurance claim with insufficient information or what if they cause an accident and they do not have insurance by their side? They look for answers to all of their queries and do not quit until they find each one of them. Well, first, car insurance in CA is important for every single person that owns a car. That is because they need something that will give them hope in case there is an accident. Many people need different car insurance policies and most people need more than one because they need to cover many things. Most states have set out the law that a driver will not be allowed to drive unless they have a specific type of insurance with them. That insurance is liability insurance.

However, if a person violates the law and sets out on the road without an insurance policy to cover their car, they are in big trouble. In addition, they cannot even imagine the trouble they will be in if they drive a car without car insurance and they cause an accident. Here is what will happen if they violate the law and do that.

Lawsuits, lawsuits everywhere – When a person decides to go on the road without car insurance in CA, they should keep in mind that they could be caught. This means that they can be caught driving without an insurance, they will have lawsuits filed against them from the people that they injure when they cause an accident.

Law violation charges – Lawsuits will be filed against the person by the people that are involved in the accident. What the police will do is that they will charge the person with law violation. The person violates the law and they will indeed have law violation charges filed against them for which they will be penalized.

Liabilities – The person will have liabilities when they will cause the accident. The liabilities they will have will be for the damage that they cause in the accident. The person will obviously have to pay off all of those liabilities by themselves. That is because they will not have any insurance to support them and to cover the liabilities. That is all right if the accident is minor and the liabilities that the person has are not too much. Nevertheless, if the liabilities were too much, the person would definitely wish that they had insurance by their side.

This website can help one compare car insurance quotes! Simply enter your ZIP code in the box at the top to see for yourself.

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Is Your Classic Car In Need Of Extra Insurance?

May 8, 2014 by

Extras, add-ons, add-ins, up-sizes, and top-ups- These three words have become extremely common nowadays thanks to the different promotions and the different promotional offers that different leading brands come up with. All of these specific promotions are based on one of these words. An extra or an add-on is something that a person can separately buy. Mostly, this is something that gives the person an advantage, but only for a specific amount of time. Top-ups, extras, and add-ons have become popular because they make people think that the people receive more for a less amount. That is not the case because ultimately, the company that is offering these promotions is the one that is getting all the benefits. This is the same case with auto insurance in California or any other state.

Most car insurance companies have started offering add-ons and extras that a person can buy in order to add extra value to their insurance policy. This will not only add more value but will add more features to the insurance policy you have and will make it better, for a limited time of course. An extra is useful if a person has the money that it requires and a person needs the services. The only advantage a person has is that the person can get these extras or add-ons whenever they need and whenever they require these services. The extras can be neutralized by completely using them up or when the time comes that they become expired. Different car insurance policies are compatible with different car insurance extras and different cars are compatible with them too.

When it comes to classic cars, the question is that whether a person should get extras of car insurance for classic cars or not and how much insurance coverage classic cars need. Well, classic cars need the highest level of protection a person can get because they have a tremendous value. Classic cars are vintage cars, they have a lot of value, and the value keeps increasing. The value of classic cars does not have an end. Every year, when the time comes, ordinary cars have depreciation in their value and their value decreases. That is not the case with vintage cars as their value keeps increasing every year.

That is the very reason why it is advised that a person get as many auto insurance in California extras as they possibly can so that they can ensure that their car gets the highest amount of security. Classic cars keep gaining value and they are something that people try to wreck or vandalize just out of jealousy. That is the reason why the owner of classic cars should always have something to back up the value of the car and to provide the person with a replacement for the car in the event that the car is totaled. Classic cars should be insured with the best possible car insurance policy and a person should get as many car insurance extras for classic cars as they can.

 

If you want to compare insurance quotes in your area, simply enter your ZIP code in the box at the top!

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Is Your Classic Car In Need Of Extra Insurance?

May 7, 2014 by

A person needs to be extremely careful when they are purchasing car insurance. That is because on wrong step can cost them a lot. A person must be sure when they are buying car insurance and they need to be sure about every single decision. That is why it is advised that a person simulates everything and brainstorms everything inside their head before they set off to purchase car insurance for themselves and their car. A person must be able to ask questions to themselves, questions which can determine what they should do and what type of car insurance they need and what they need to do in order to get it. A person must be sure about every single decision they make when they are purchasing car insurance so that they can ensure that nothing goes wrong and that everything goes according to their plan.

A person must ask himself or herself questions that can help them make decisions and determine many different things. This can help them understand their car insurance in CA needs. Here are eight questions that people really needs to ask themselves before the set off to get car insurance in order to prevent them making the wrong decisions.

•             What type of car insurance do I need?

This is the first question a person needs to ask him or herself and this is the first thing that a person needs to determine. A person needs to make sure that they get the right car insurance policy and that is why they need to choose. They need to choose between car insurance options such as collision insurance, liability insurance, comprehensive insurance, personal injury protection, or uninsured/underinsured motorist protection. A person needs to determine which of the insurance policies they need to get and which of these they really need.

•             What is my accident possibility?

People must ask themselves that what is the likelihood of them being involved in or causing an accident. A person must be able to estimate the possibility and then decide where the possibility of them being involved in or causing an accident stands. A person must be clear on all the facts and they should blend each fact in so that they can make an estimate that is the closest to the real possibility. A person must know how likely they are to be involved in or cause an accident so that they can go on with the other questions.

•             How much insurance coverage do I need?

A person must determine how much insurance coverage they require. They should first get to know of the minimum coverage that is set down as a law by the state such as the state of California. A person must then assess their needs and come up with an amount that is higher than the state minimum and is just about the amount that a person might require in the event that there is an accident. A person must be able to make the closest possible estimate.

•             Who will I register as my driver?

A person must determine whom they will choose as their driver and whom they will register as their driver on the insurance policy. The person can simply enroll more than one driver if they are not the only person who drives the car. This is a common point where most people get confused and they should not be because they can easily enroll all the people that drive the car. Enrolling more than one people does not increase the insurance costs and the auto insurance premiums and mostly lowers them instead.

•             What will my deductible be?

A person must come up with an amount that they will register as their deductible. This is not an actual amount but a percentage. A deductible is that specific percentage that the person will have to pay in the event that there is an accident and they are involved in or caused the accident. If that event takes place, the person will only have to pay the deductible that is applied on the total damage and the rest will be paid by the insurance company. A person must be careful when they decide their deductible.

•             Should I ask for discounts?

A person should first make up their mind as to whether they will ask for a discount or they will go with the amount that the company tells them to go with. A person that needs cheap car insurance in CA should definitely ask for as many discounts as the company offers and they should avail each one of those discounts. That is because the more discounts they avail, the cheaper there insurance will be and the better it will be for the person. Asking for discounts can effectively decrease insurance costs and insurance premiums.

•             Should I meet an insurance representative?

Most insurance companies have representatives that are there to serve you and you can talk to them when you are confused. You should decide whether you will talk to an actual representative and have a meeting with them or simply register for the car insurance, get your car insurance, pay the company and leave. Meeting the insurance representative does not cost anything and that is why it is recommended that a person meet the car insurance representative. Meeting the insurance representative can also help to get rid of confusions and get answers for each question.

•             What payment option should I choose?

This is one of the most important questions to ask themselves before purchasing car insurance. When registering for car insurance, a person needs to register their payment option and payment intervals. The person must decide at this point how they will pay their insurance premiums and when they will pay them. They will have to decide whether they will pay the insurance premiums on a monthly, half-yearly or yearly basis. The person should always choose what suits them best and the option that is the cheapest.

This website can help one compare insurance quotes! Simply enter your ZIP code in the box at the top to see for yourself.

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Tips In Choosing Car Insurance That Will Suit Your Car Best

May 6, 2014 by

What is car insurance?

Whenever a person is in trouble, they need to have something that can save them, something that can help them get through their troubles and avoid all or most of the grief or pain. When a person is in the need of something that can aid them through something in which they need support, people recommend insurance. There are different types of insurances for different types of things. Insurance policies are like business but they have the capability of providing you with support and money when you need it the most.

The different types of insurances include the likes of health insurance, house insurance, and material insurance and last but not the least, car insurance. Car insurance is that kind of insurance that covers the damages that relate to a car and its driver. There are many types of car insurance as well that help a person out in different times when a person needs their help. The different types of car insurance have different jobs and they all have a particular time at which they are triggered and then come into play.

Why is car insurance necessary?

Car insurance is necessary for every single person that lives on this planet. That is because car accidents are not something rare. Car accidents occur in every party of the world everyday and have different causes. Car accidents can be both fatal and non-fatal. Car insurance is necessary in order to support a person in the event that they cause an accident or they are involved in one. Car insurance are of many types, some pay the people that were involved in the accident, some pay the people that got injured or died and some simply pay the money required to fix up the car of the person that is insured and provide an alternate source of commuting to them.

Car insurance is necessary for every person that owns and/or drives a car. That is because auto insurance in California can be a lifesaver and it can relieve a lot of pressure from the person that is insured. When there is an accident, every single person that is involved in the accident becomes depressed and has to go through a lot of stress and that is where car insurance plays its part. Car insurance relieves all the money related stress from the person and pays their debts, which, of course the person pays for in the form of insurance premiums.

How to decide the best car insurance?

Car insurance is necessary for every single person and that is why many people, out of awareness have started getting their cars insured. That is so that they have some hope and some support in the event that there is an accident. When a person decides to purchase car insurance, they always think which type of car insurance will be the best car insurance for them (1). That is because there are different car insurance policies that are useful for many different things. A person has to decide which type of car insurance they need to get and they need to make the decision that is not only the best for them, but is also affordable according to their pocket. Many things that a person thinks of when they are asked as to which car insurance they will purchase and that is when they decide to get some help. They decide to get an experts advice on the case and that is when they search everywhere for ways which they can use to get the best car insurance. Here is how you can do just that.

1.            Weigh in the factors – If a person wants to get the best car insurance, they will first have to weigh in all the factors and blend them up into a good mixture. This means that they will have to collect information about themselves. This information should display their driving skills, their driving history, the way they drive, the type of car they drive, where they drive to, where they drive from, their annual mileage and their history on the road. When they have collected all this information, they can then assess the information and then they can conclude which takes a glance at the dream insurance policy for them.

2.            Decide car insurance policy – What a person needs to do next is that they need to keep their conclusion on one side, and the description to each type of car insurance policy available on the other. They should then compare both of all the insurance policies with their conclusion and the insurance policy that has all or most of their requirements is the one they need to choose.

3.            Decide coverage – Next, the person needs to decide the amount of coverage they will get. A minimum amount of coverage that a person must have is decided by the law in any state. This means that the minimum coverage for auto insurance in California will be different as compared to the minimum coverage in another state.

4.            Make it legal – Now, all the person has to do is that they need to sign a couple of papers and make it legal. When they have gone through this, they can be declared as legally covered under insurance and they can then drive with the thought of being insured at the back of their mind.

If a person follows these simple steps and they then try to purchase car insurance, they will surely get the best possible car insurance for themselves. A person needs to make decisions that are best for them and that is why they need to concentrate and pay attention during every step of the procedure. A person must look at each detail that their information suggests and then decide what type of insurance they need. If a person makes a decision that is wrong, they can put not only their future insurance claims, but also their whole car insurance policy in jeopardy.

If you want to compare insurance quotes in your area, simply enter your ZIP code in the box at the top!

Filed Under: Car Insurance in California FAQ Tagged With: , ,

Ways On How The Place That You Live In Can Affect Your Car Insurance

May 4, 2014 by

Many things affect car insurance. A person’s car insurance is affected by the slightest and the smallest of things and that is because even the littlest of things can have a massive effect on the car insurance. Things like where the car is parked, the weather conditions, dents on the car and most importantly, the place the insured person lives in count a lot in the matters of auto insurance in California. When a person has car insurance, they need to be as careful as they can and they need to make sure that nothing out of the ordinary happens to their car. That is because many things can affect a car. The place where a person lives in cannot only affect the behavior of the insurance company, but it can also affect the insurance costs and the amount a person has to pay in premiums.

The place where a person lives in cannot directly affect the car insurance they have and that is why there are things that are present in that very place that affect a person’s car insurance. Many things come under this classification, some of which are listed and described below.

1.            The population – The population of the place where the insured lives can greatly affects the insurance costs. That is because the more populated the city or the town is, the more the chances of the person being involved in or causing an accident are present. If a person lives in a city that is not densely populated, there is a less probability of them being involved in an accident. For this reason, people living in densely populated areas have higher auto insurance costs and higher insurance premiums as compared to the people that live in areas with lower populations.

2.            The weather – The weather really counts. That is because if the weather of the place where a person lives in is seen to be rough, they are more likely to be involved in an accident. Places which have an increased amount of rainfall and snowfall have are likely to experience accidents. The rougher the weather of a place is, the more likely is the occurrence of accidents. That is the reason why the weather counts and people that live in places that have rough weather have increased insurance costs and insurance premiums than people who do not.

3.            The amount of crime in an area – The amount of crime that occurs in the insured person’s area counts a lot. That is because if there are many crimes happening at that place, there is an increased probability of the car being stolen or being vandalized. That is why people that live in high-crime areas have higher insurance premiums and higher insurance costs for their auto insurance in California than people who do not. A person can easily figure out whether they live in high crime or low crime areas and if the person makes a right choice by moving out of that area, they can save a lot of money and they can prevent the likelihood of there being damage to their car.

If you want to compare insurance quotes in your area, simply enter your ZIP code in the box at the top!


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How A Car Can Affect Insurance Rates

May 3, 2014 by

Many things can affect the car insurance in CA costs and the amount a person has to pay in the form of insurance premiums. These things vary from one person to the other and vary from one insurance policy to the other. That is because every person has different histories, different types of cars and different and unique styles of driving.

The tiniest of things can affect car insurance rates and that is why a person needs to make everything they do constant and everything they do in a regular pattern. The car is one of the most important things that affect car insurance rates.

The car as a whole affects car insurance rates but what are more important are the traits and the features of a car. That is because every cat has a different set of features and has some features that stand out of others. That is the one reason why a person needs to be careful when they are getting a car that they want to insurance somewhere in the future. A car has many different traits and features and all of them affect auto insurance rates in their own different yet unique way. Here are some of the traits and features of a car that affect insurance rates.

•             The engine – The engine of a car is one of those things that affect car insurance rates the most. That is simply because the engine is the heart of the car and the insurance rates of a car are determined by checking how good and how big the heart is. This means that the better and the bigger the engine, the more the person will have to pay. A person must be specific when they are buying a car and they need to make sure that they get the car with the perfect engine for them.

•             The parts – The second thing that insurance representatives check and use to determine the car insurance rates are the different parts of a car. The parts that a car comprises of can affect the insurance rates a lot. The insurance representatives check for the originality of the parts which helps them determine how good and how safe the car is.

What the insurance company also check the parts for is their availability in the market. That is because the insurance company needs to determine whether the parts in the car are too hard to find or not. If the parts are too hard to find and are rare, the person will have to pay more in insurance premiums and the insurance rates will definitely increase. However, if the parts are easily available in the market, the insurance rates will decrease and the person purchasing the car insurance in CA will have to pay less in the form of car insurance premiums.

•             Paintjob – This might come as a shock to many, but the paint job of a car affects the insurance rates. Of course, it does not have a large share in the insurance rates but it still affects the insurance rates.

 

If you want to compare auto insurance quotes in your area, simply enter your ZIP code in the box at the top!

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The Consequences of Being Uninsured in California

March 14, 2014 by

These days no one is really safe on the street. This holds true to all roads and highways where ever you may be. Seeing the risk that all drivers are going through, California car insurance laws are actively intensifying its mandate to all vehicle owners. Law enforcers, on the other hand, are doing their best to go after those privately owned vehicles that have no financial responsibility proof. The law clearly said that no one can use the road or park their car in California without any car liability insurance or the surety bond or certificate from the DMV.

What will happen if you failed to pay your car insurance premium?

Despite the given grace period, the insurance company can now electronically furnish the Department of Motor Vehicle (DMV) the list of vehicle owners whose insurances are no longer active if you are still unable to pay for the car insurance. This law was implemented way back 2006. All court personnel and law enforcement can also access the California DMV records to check if your vehicle is presently insured.

What happens if you failed to follow what is required?

Vehicle owners will meet strict penalties. Driving without car insurance is illegal; therefore you can have your license invalidated for at least four years. You can only get it back after one year if you can show proof of financial responsibility. Likewise, your car registration will be revoked and you may be given a citation. In the simplest term, your own driving record will be marred and there will be other penalties and fines to pay. Surely, your car insurance premium will go up as well.

On the other hand, what are the benefits that you can enjoy if you have your vehicle liability insurance updated?

When your proof of financial responsibility is current with no history of any defaults, you can renew your car registration online or through the phone or at any self-service terminals. Aside from the convenience, you don’t have to submit other documents when you process for your vehicle renewal.

Obtaining California car insurance is easy these days. Car insurance companies are lowering their premiums because of stiff competition. Such competition can definitely benefit every vehicle owner. From this page, you can enter your zip and have access to all car insurance companies near your area. Once you have the information, you can request for a price quote and compare the premiums for free within a few minutes.

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How to Avail Cheap Car Insurance in California

March 13, 2014 by

The state of California is steadfast in its car insurance law. No one is basically exempted even those with income that is below the federal poverty level. The state is paving ways to household with an annual gross income of 250% or less to be qualified for California low-cost car automobile (CLCA) insurance providing that the household eligibility income is satisfied. This program allowed every constituent who uses enables every low-income earner to obtain California cheap insurance. This type of insurance is your proof that you are financially responsible.

Is the car liability insurance the only financial responsibility proof that is available?

No. Actually, there are options that you can choose aside from car insurance. The other alternative is to make a $35,000 to the Department of Motor Vehicle (DMV); second is to get a self-insurance certificate from DMV or you can secure a surety bond from a legitimate company who can do business in California.

What happens if you can’t provide any proof financial responsibility?

The state of California does not excuse you from not showing any proof of financial. You‘ll be penalized and there will be corresponding sanctions like suspension of your license and revocation of your vehicle registration.

How about whether the car is newly purchased? How soon can I furnish a copy to the DMV?

It is your car insurance company which will facilitate the paperwork and within 30 days, DMV should have the information already.

Do I need to bring the copy of the car insurance all the time?

Yes, you need to bring the copy of your car insurance anywhere you go especially in times of traffic collision or accidents since law enforcers will check it.

 

Your car insurance is not shared publicly. However, the 2006 changes in the policy stated that law enforcers and lawmakers can have access to your car insurance should there be any violation. In that same year, car insurance companies can also transfer electronically to the DMV regarding the car insurance status. These moves allowed the state to implement a close monitoring standard.

For vehicle owners who want to know other affordable premiums, you can key-in your zip and know current premium rates. Having California cheap insurance is more practical. If you want to compare prices or change car insurance providers, you can do so easily. The stiff competitions among car insurance companies are relatively rigid since they can offer low premium rates. Changing your provider won’t affect your records at all as long as DMV is properly notified.

Enter your ZIP code to get California auto insurance quotes.

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Low Income Earners FAQs on California Car Insurance Program

February 24, 2014 by

Attached to your car is your vehicle liability insurance which is strictly required in the state of California. The car insurance in CA has long been implemented since 1980s to cover the minimum liability insurance. Vehicle owners are required to show proof of financial responsibility prior using the public roads in Ca.

What is the minimum liability insurance set forth by the law?

According to the Department of Motor Vehicle (DMV), the amounts are as follows; 15/30/5. A minimum of $15,000 is set for a single person who died or was injured during the accident $30,000 for more than one and $5,000 for property damage. Alternatively, you may choose the state mandated alternative.

Obtaining car insurance is expensive, is there an alternative?

The state is sensitive to your need and as such the government has addressed the problem. They are offering the low-cost automobile insurance program. This California car insurance program was established in 1999 only for qualified persons.

What is the qualification?

According to the insurance law, the qualification is based on the total household’s gross yearly income which is less than 250% or less based on the federal poverty level.

For household size of:

•             1 person the total income should only be $27, 925.00

•             2 persons $37, 835

•             3 persons $47,725

•             4 persons $57,625

•             5 persons $67,525

•             6 persons $77,425

•             7 persons $87,325

•             8 persons $97,225

Additionally, you may call Department of Insurance web site or through their land line: 1-866-602-8861. Granting your application for the low-cost auto insurance is approved, you may be paying around $400 a year as your premium.

For vehicle owners who are not qualified, there are car insurance companies that offer new rates.

Can vehicle owners transfer to a different service car insurance company?

The answer is yes. Upon learning of the affordable rate and which you think is much practical than your existing premium, you can change your current provider sign up to a different insurance company and your new auto insurance will have to send an electronic report to the DMV of new insurance arrangement.

Stiff competition among the car insurance in Ca have led to lower premiums. If you are looking for affordable premium, type in your zip at the search box above and see all car companies in your area and request for auto insurance quote in CA.

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What Else Should you Know About Auto Insurance in California

February 19, 2014 by

Comes your new purchased car is your car insurance. The Auto insurance in California is stiff concerning its car insurance mandate. No vehicle is allowed to use or park to any streets in the state without any proof of financial responsibility. This is in the form of a certificate, car liability insurance of the surety bond of $35,000 deposited to the Department of Motor Vehicle (DMV) or a certificate from a company who is allowed to do business in California, again this involves money amounting to $35,000.

The law is strictly implemented to ensure every driver of minimal financial constrains or none at all. Who needs car insurance? Everyone who owns a car need, and if you are in California you need your entire vehicle ensured for car liability before you can use it. Why do you need to ensure your vehicle?  The car insurance laws in California required every vehicle owner to show proof of financial responsibility through insurance or bond to the Department of Motor Vehicle, by depositing $35,000 or obtain a self-insurance certificate from DMV or surety bond also amounting to $35,000 from a company who is can do business in California. The car insurance law stipulates that regardless of the driver, every vehicle that you own must be insured. This is to protect you and the next driver from the possible financial burden, if accidents happen.

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What are the requisites in obtaining car insurance?

The following are the important things you need to consider before you buying car insurance:

  • Driver’s license is vital.
  • Every car insurance company needs to check your prior records.
  • If your driving history is positive, meaning you have not experienced any violations, then you are most like be given a special rate of a rate that is a little lesser.
  • Those drivers with long standing of bad driving records are tagged as high risk hence their premium is expensive.

The auto insurance in California has been implemented way back 1984 and in 2006 it has greatly improved. The electronic sharing of information made it easier for law enforcers to track down vehicle owners who have neglected their car insurance. On the other hand, the improvement in the car insurance tracking system is also useful to every owner. They can now renew their vehicle online or over the phone, if their car insurance is updated. Likewise, they can also renew it at the self-service vehicle registration kiosk if they want.

If you are looking for the cheap car insurance near your place, you don’t have to look for more pages. From here, you can enter your zip and locate the nearest car insurance company that offers affordable premium.

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