Getting a California auto insurance quote is not an easy task. There are many points to remember while going about deciding which particular insurance policy to go for in California. We shall discuss a few salient points about auto insurance in California.
California is a very large and prosperous state in the United States of America. Apart from the sheer size of the land area and the population, it must be taken into consideration that the population is also one of the richest in the United States. It was said that if California were a country, it would be the 7th richest in the world around a couple of years back. Due to such an affluent population, the number of cars is bound to be high. And the number keeps on increasing year after year without an indication of slowing down in pace. Even the value of the cars is relatively higher that the rest of America.
California Auto Insurance- salient points to remember
1.Credit score or credit record
A good credit record is very important in order to get a low quote on your auto insurance policy. A credit score is something that is maintained by one of the three credit bureaus and it reflects your financial credibility. The higher your credit score, the eaiser it will be for you to get a low premium with the maximum benefits and all the added frills.
2. Reduce distance travelled on a daily basis
The more you drive, the higher the risk of you getting into an accident. hence it is always better to show your daily mileage as low as possible. But do not risk lying to the insurance agent as this can attract penalties if discovered. Also, if your car has been with you for a couple of years the insurance company will calculate the mileage per day for your car.
3. Educate yourself about what the states minimum liability requirements
Before you go about doing anything, it pays to educate yourself about the ins and outs of the subject at hand. it’s the same with California auto insurance. Try to find out what the state’s minimum requirements are in order to decide how much you can set aside per month for your insurance premium. The following are the requirements for the state of California:
– The death or injury of a person will entail a minimum of $15000 for that person.
– If the accident results in the death or injury of more than one person, then all those people will together be eligible for $30000.
– in case of damage to property, both public and private the coverage should be at least $5000.
4. Compare and understand the rates and offers from different insurance companies before making a decision.
First start out by searching for quotes on the internet. Once you get a number of quotes, the next step is to compare the benefits. Each insurance company will offer a different set of benefits for different customers. You can never be sure of getting identical quotes from two different insurance companies.
There are certain insurance company websites that offer quotes from just one state. Such insurance companies are much better since they specialize in your state and will have better offers which will be tailor made to suit the local needs. Try looking for third party websites that have quotes from a number of insurance companies. This way you can get a large number of quotes from the same place without having to bother about having to go searching at different places.
