Car Insurance – California, Do You Have Auto Coverage?

Trying to find an alternate route to work when nearly 280,000 other commuters are scrambling to find their way into the city can definitely increase the odds of getting involved in a fender-bender. San Francisco Bay area interstate travelers will be the first to tell you that you cannot predict accidents or catastrophes. Whether you are involved in a natural disaster, auto accident or other catastrophe, insurance plays an important role in securing your funds for the future. Californian or not, it’s always important to see what auto insurance coverage your state suggests or requires.

There’s a long stretch of road between Redding and San Diego, California – which means many opportunities for unexpected auto accidents to occur. The Bay Bridge between Oakland and San Francisco, for example, is a hotbed of confusion and congestion that travelers are trying to navigate and conquer.

Between the excitement of summer and trying to secure your vacation plans, preparing for an auto disaster is probably the last thing on your mind. But the summer heat and unexpected bumps in the road can both wreak havoc on your auto and put you in jeopardy if you’re not prepared. If something happens while you’re driving down that long California interstate, are you covered? Let’s sift through your car insurance policy to consider your options:

What coverages are included in an auto insurance package?

When you purchase auto insurance, you usually have several options – you can purchase medical, liability, property and under/uninsured motorist coverage.

Medical coverage in an auto insurance package will take care of treating injuries to those in the policyholder’s automobile. Medical coverage will be provided if the person is a passenger or hit as a pedestrian.

Liability is your financial responsibility to someone for damage you cause – whether the damage is to another person or to someone’s property. When you purchase liability coverage, the insurance company agrees to defend you in court and/or reimburse the other party for damages you cause.

California state laws require motorists to purchase the following liability insurance amounts.

$15,000 - bodily injury liability for one person injured in an accident
$30,000 – bodily injury liability for all injuries in one accident
$5,000 – property damage liability for one accident

Covering property damage includes comprehensive and collision insurance.

Comprehensive coverage insures accidental damage to the auto including fire, wind, sleet, theft, vandalism and similar damages.

Collision coverage reimburses for damage caused by colliding with another object, regardless of who or what is at fault.

What happens if the person that hits you is uninsured or does not have proper coverage to take care of your entire loss? Purchasing uninsured and/or underinsured motorist coverage will cover both of those situations.

If you have not glanced through your auto insurance policy in awhile, it’s time to consider reviewing it. The warm summer weather means your air conditioning will be running longer and your engine will be working harder. It’s important to take time right now and make sure you will be covered if you find yourself stuck on that long stretch of California road between Redding and San Diego.

Obtaining Cheap Car Insurance Quotes Online

There are various to get cheap car insurance quotes online. Looking for different quotes is one of the measures to obtain cheap car insurance quotes. A single renewal quote should not be accepted as the best quote. One should always look for offers by other insurers to compete with the quote he or she already has. This can also be applied while purchasing a new car. The premium offered at dealership should not be accepted just like that.

Doing an annual payment is the second tip. The most cost effective way is to pay the entire car insurance premium in one off payment. But this should also suit one’s pocket. If the payments are spread monthly by direct debit they can cause penalties of interest. This can enhance premiums by around 33 percent. However, it is a better option to attempt and attain o percent credit card to stretch the cost of premiums.

Being a meticulous driver is the third tip. Incredible discounts can be attained sometimes by building up no claims bonus. This can be done by two ways- by preventing any accidents and by not causing any claims with one’s company. By this one can save around 75 percent by making no claims. The no claim bonus is transferred from company to company year on year. This saving can be done if one had five years of no claim. There are also various ways to guard no claim bonus as offered by most car insurance companies. This ensures that one small incident one may have does not counteract with the years of cautious motoring one may have. It is also very significant to keep in mind that any kind of endorsements against insurance holder will also be of interest to insurance companies. This can add up premiums. Thus, it is advisable to never drink and drive, always follow traffic signals, reduce speed and avoid using phone while driving.

To prefer a cheap car is another tip. The highest priced premium group consists of high performing and high powered cars. They will be looked upon as to be of higher level of risk and also higher cost of any repairs. Therefore, small cars are usually offered lower premiums and are seen to be of lower risk. Modifications done on the car can also add extra costs onto the premiums. For example, huge spoilers, booming exhaust and body kits. However, cost can be reduced by alarming the driver and having an immobilizer.

Are You Looking For the Cheap Insurance?

Car insurance is to give you protection against any accidental cost. When you purchase car insurance, it gives you assurance that if any accident occurs then you does not have to pay a large amount of money. However, in some cases not all goes well because of cheap car insurance. Cheap car insurance can be availed in fewer prices but it can cost you more. Cheap car insurance plans do not have all type of coverage. So do not become a fool while buying car insurance for your car. The companies just to protect you from fine of not having car insurance can provide cheap car insurance plans. It does not have most of claims. Check all the details before buying insurance so that you can get best car insurance plan. It may cost you little more but can save you from various big damage costs.

Mainly cheap insurance does not cover the all types of coverage as if accident happens and fault is yours then company is not responsible for the damage. You have to pay the entire amount. So check what type of coverage can help you and what are you getting in the car insurance package. You should also check which part should be covered in the insurance claims like if plastic part was damaged then only 50% amount of that cost is given to the costumer. So you need to check all the details before buying car insurance.

If you really want to save money then save in best insurance plan that you have selected. You need to find the insurance quotes for this. You can get these from various agents and from internet. But you should be careful while selecting the insurance quotes. You should check that all plans that you have selected should have same specification. If one has less specification then it will defiantly cost less but your effort for comparing them will go in waste.

Your car insurance depends on various other things. You should have a good driving profile. If you drive safe then it will save your own life and you can get discounts in insurance. Maintain your car as much you can. Proper maintained car will decrease chances of any fault in the car. It also helps in getting discounts and increase millage of your car. You can use these as your deductibles. Try to buy form the same agent when you buy insurance next time. He can also give you benefit. All these things might be able to help you if you remind these while selecting an insurance plan.