Instant Car Insurance Quotes Can Help, But Get More Advice

2007-03-08 10:33:40

( Automobiles )



Auto insurance California regulations require every driver and owner of a car to be financially responsible for their driving. Minimum car insurance California liability coverage is (in dollars) 15,000 for death or injury of any one person in any one accident, 30,000 for all persons in any one accident, and 5,000 property damage in any one accident. Instant car insurance quotes for your usual coverage needs are easily available on many websites.

Instant car insurance policies sold online can be cheaper than plans bought through agents. You should keep in mind, however, that the above minimums are quite low. It is not easy to predict the losses that can arise from an auto accident. Remember, though, that it is easy for costs in a two-car, four-people accident to run up to several million dollars.

With financial risks getting that high, if the instant car insurance policy you bought turns out to be insufficient, you could lose all your assets. You may find it worthy to invest time comparing auto insurance rates and getting the best auto insurance coverage available for your insurance money. This is where a local agent may be able to help you evaluate your coverage needs.

You should be aware of the insurance risk factors that car insurance California companies include in calculating your auto insurance rates. Your place of residence, as indicated by your postal zip code, has significant weight in their calculation, so if you live in an area where incidences of accidents and thefts are high you are likely to get a higher quote.

You can relax a bit on that, however, because that practice in the car insurance CA industry is about to change. The state insurance commission now requires auto insurance California companies to use more focused criteria like a clean driving history, years of driving experience and annual miles driven. You can try improving your record in these areas to help drive down your insurance costs.


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