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; that is loowest insurance
premium for your ideal coverage.
We compare dozens of
auto insurance quotes by many insurance companies to
provide you the
lowest auto insurance quotes
you can
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Car insurance comparison
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best, to lower your premium.
The Personal Automobile
insurance policy covers:
Liability coverage for bodily injury and
property damage for which you are legally responsible,
Medical Payments for bodily injury caused by an accident, to
you or family members that reside with you.
Uninsured
Motorist Coverage will cover you in the event that you or
family members that reside with you are injured or your
property is damaged due to a driver that does not have auto
liability insurance
AARP Hartford Auto Insurance
Auto Insurance Coverage Explanation in 3 Minutes
Underinsured Motorist Coverage will
cover you in the event that you or family members that
reside with you are injured or your property is damaged due
to a driver that has automobile liability limits less that
what you currently carry.
*Coverage for damage to your
automobile includes:
Collision: Covers accidental
loss to your insured vehicle due to a collision with another
object (i.e. another vehicle, tree, etc.)
Comprehensive:
Covers accidental loss to your insured vehicle that is not
caused by a collision (i.e. fire, theft, hail etc.)
Towing and Labor: Covers costs for labor performed and
towing your vehicle when your vehicle becomes disabled
Rental Reimbursement: Covers costs to rent a vehicle if your
insured vehicle is involved in an accident, or is stolen.
Comprehensive or Collision coverage must be provided by your
policy
*Coverage for damage to your automobile is
optional
Coverage for several different vehicle
types:
Personal Passenger Autos (including
vans/trucks not over 10,000 lbs)
Classic Autos,
Customized Autos, Antique Autos, Motor Homes,
Recreational Trailers/Campers
Utility Trailers, Horse
Trailers
Auto
Insurance Discounts and Credits:
We offer a
number of ways to save money on your insurance. Below are
some of the discounts and credits that we offer:
AARP Mermbers Discount Program with The
Hartford Insurance
Multi-Car discount: Applied when more than one vehicle is
insured on your policy
Company Car Discount: An insured
owner of one personal automobile is eligible for this
discount if a non-owned company car is provided on a
full-time basis
Deductible Credits: Higher Collision and
Comprehensive deductibles will lower your premium. There are
many deductible options available, up to a maximum of $2,500
Home and Auto Discount: A discount is applied to your policy
when both your auto and home policies are written with Union
Mutual Companies
Customer Loyalty Discount: A discount is
given at each policy renewal (renewal credit)
Responsible
Youthful Driver Discount: Available for eligible youthful
operators between the ages of 16-21
Good Student Credit:
Available for full time students under the age of 25 that
meet certain academic criteria
Driver Education Credit:
Available for eligible youthful operators who have completed
a Driver Education program
Student Away at School Credit:
Eligible students must be at least 100 miles away from home
without a vehicle
Credits for vehicle safety
features:
Anti-theft
Anti-lock braking
Passive Restraint
(Seatbelts & Airbags)
A Guide for getting cheap
car insurance in California
See how Chubb Covers AutosThese days, most
insurance companies' commercials talk about saving over
other companies' rates. For example, State Farm Insurance
advertises up to 35% discount compare to other rates. This
might be true in only for a fraction of people. They target
a specific zip code, and concentrate on one type of client
to reach that target (Female, 50-55 years, married,
housewife, pleasure usage, with multiple policies with State
Farm, driving less than 3000 miles). What if you do not
match that description? Well, tough luck. As a former State
Farm agent, I did not buy those claims and voided my
contract with them. Now I can write with dozens and dozens
of insurance companies at rates that no State Farm client
has ever seen.
Why other uninsured drivers
could cost you big time – even if you have auto insurance.
Did you know that getting in a car accident with an
uninsured driver could cost you a lot of money – even if you
have your own auto insurance? In a recent report by ABC
News, as the economy continues to worsen, more drivers are
driving without car insurance, even though it’s against the
law.
Most people think this won’t affect them if they
have their own insurance, but this isn’t the case. In order
to be protected from uninsured drivers you need to elect for
“uninsured motorist coverage” in order to be protected. Be
sure to check with your auto insurance company and verify
that you have this coverage. If you don’t it may be worth
getting it. This could save you thousands of dollars if
you’re ever hit by an uninsured driver.
California Auto Insurance Coverage LimitsIn order to
be a legal driver in California, you must show financial
responsibility by buying California auto insurance. This
doesn’t mean you have to have the most expensive policy you
can afford. In fact, if you understand what’s required of
you, you’ll learn that even cheap California auto insurance
can supply all the coverage you need.
Your financial
responsibility when buying auto insurance is simple. You can
satisfy all the legal requirements by purchasing automobile
liability insurance. Even cheap California auto insurance
plans cover the basics outlined by the California Department
of Motor Vehicles.
These are the minimum limits of
coverage you must buy according to Section 16451 of the
Vehicle Code:
- Bodily injury liability minimum of
$15,000 per person and $30,000 total for all persons per
accident.
- Property damage liability minimum of
$5,000 per accident
If you are caught driving without
the minimum liability insurance in California you can be
charged up to hundreds of dollars in fines for a first time
offense. If you are involved in an accident – even if it’s
not your fault – and you don’t have liability insurance,
your license may be suspended. If you own a car you don’t
use you don’t have to insure it, but you must surrender its
current license plates and registration cards to the DMV.
As you can see, the California auto insurance
requirements aren’t that strict. A good insurance company
can provide you all the protection you need while staying
within your budget. If you need more information on the
state’s requirements you can contact your local DMV office
or speak to a licensed insurance agent or broker.
Cheap California auto insurance doesn’t mean bad auto
insurance coverage. Be informed – you can save money and
still follow the law.
California Offers “Good
Drivers Discount” On Auto InsuranceIn the current
economy, it seems that the cost of everything is rising.
Grocery prices, mortgage rates, and energy costs are all
skyrocketing. You’ve probably seen your automobile insurance
costs continue to go up while your income stays the same.
But you can’t just decide to go without coverage on your
car, even if you think you can no longer afford California
auto insurance.
California recognizes that car
insurance rates can be expensive for the average driver.
That’s why the state has implemented the “Good Drivers
Discount”, which is offered to all California drivers who
meet some simple requirements.
How do you know if you
meet these requirements? It’s easy: California offers you
the Good Drivers Discount if you have had a driver’s license
for three or more years, have not been determined to be at
fault in any fatal accident, and have no more than a one
point charge on your driving record.
You probably
already deserve lower priced car insurance. It all comes
down to the fact that if you are a good driver, you can
qualify for cheap California auto insurance. And that’s a
good thing, no matter how bad the economy may be.
How California Insurance Companies Calculate
PremiumsAuto insurance premiums are partially based
on three major factors: how long the driver has been
licensed, the number of accidents or traffic tickets the
driver has received and an estimate of how many miles
driven.
There are secondary factors that affect the
premium, the most important secondary being the frequency
and severity of claims in the driver’s area of the state.
The amount of claims received by companies can cause the
premium charged to vary widely. When shopping for cheap
California auto insurance drivers must do their homework and
compare companies.
In fact, comparison shopping is
the single best way to qualify for cheap California auto
insurance. Maintaining a clean driving record decreases the
premium drivers pay. Drivers can also save money by
requesting larger deductibles and lowering the limits
insurance will pay if there is an accident.
Insurance
companies can raise premiums if the driver has been given
traffic tickets or been involved in accidents. Since the
premiums are based on driving experience, extra surcharges
will apply based on type of ticket or accident. To sum it
all up, the final cost of cheap California auto insurance
premiums is in the driver’s hands.
Know Your
Auto Insurance CoveragesIf you want to take
advantage of the best cheap auto insurance in California,
you need to be an informed buyer. If you don’t know the most
common types of automobile insurance coverage, you may end
up paying way too much for your car insurance or not buying
enough to fully cover your vehicle. Become familiar with the
following coverages before you purchase your policy.
Comprehensive coverage: This type of California insurance
policy provides coverage for any direct and accidental loss
of or damage to your covered automobile and its normal
equipment, including but not limited to fire, theft or
malicious mischief. It’s also the most expensive type of
auto insurance, but will cover more of the costs to repair
your car in cast of an accident.
Liability: This is
the satisfactory coverage you will find under most cheap
California auto insurance plans. It will pay for bodily
injury and/or property damage to the other person’s vehicle
that you become legally responsible for if you have an
automobile accident. It won’t pay for damage to your own
car.
Uninsured motorist bodily injury: This car
insurance coverage assures that you and your passengers will
be paid for bodily injury caused by an uninsured motorist
who is found negligent, by a hit-and-run driver, or by a
driver whose insurance company goes out of business or
otherwise can’t pay out.
There are a lot of cheap
California auto insurance policies out there, but they are
not all equal. Make sure you purchase the right policy for
your needs.
What To Do After An Automobile
AccidentEveryone knows that driving on California’s
highways can be risky even with the best car insurance.
There’s always a chance you could be involved in a costly
traffic accident, so knowing what to do if an accident
happens is crucial. Follow this advice to be sure that
you’ll always qualify for cheap California auto insurance
rates.
If There Is an Accident: Immediately stop at
the scene. (This sounds like common sense, but sometimes
even good drivers get so upset after an accident that they
feel they should run away. You don’t have to – that’s why
you have car insurance!)
Check for injuries. If
anyone is hurt, call 911.Notify the police even if
emergency service isn’t necessary. The police may not need
to come to the scene, but most California car insurance
policies require that you inform the police about an
accident within a certain amount of time, especially if the
accident is a hit and run.
Get the names, addresses,
telephone numbers, and license numbers from all drivers.
Write down all the license plate numbers and vehicle
identification numbers from all automobiles involved.
Ask to see driver’s licenses and vehicle registrations
to be sure that the information is accurate. Get all the
names, addresses, and telephone numbers of passengers and
witnesses.
If you can, take photographs of the
positions of the cars, the damage to them and the entire
accident scene.
If you can’t find the owner of a
damaged car or property, write a note with your name and
address and those of the drivers and owners of any other
cars involved.
Notify your agent and/or your
California auto insurance company immediately.
And
don’t forget – if anyone is hurt or you think the vehicle
damage exceeds $750, you must report the accident to the
Department of Motor Vehicles within 10 days. If you don’t do
this your driver’s license may be suspended.
We all
want cheap California auto insurance to be available to us
and to other drivers. Follow these simple rules and you’ll
help keep insurance costs affordable for everyone.
Pay As You Go Insurance Plan Proposed In California
Drivers could be offered a new and cheap California auto
insurance in 2009 if they choose to take part in a voluntary
“pay-as-you-drive” plan. Insurance Commissioner Steve
Poizner has proposed regulation that would base the annual
insurance rates on both on the exact number of miles driven
and a “pay less if you drive less” model.
Insurance
companies have been mostly supportive of the plan, but said
they needed more details of the state’s proposal. The
companies agreed that the plan would provide a “more
accurate way to calculate insurance premiums based on
customers’ having fewer accidents and claims for property
damage and medical bills.”
It is estimated that two
out of three households could see a reduction of
approximately $276 per vehicle, putting cheap California
auto insurance rates within reach. The plan would also help
lower-income residents, since on average, they use their
cars less than higher-income residents.
On the other
hand, drivers who log more mileage than average could find
themselves paying more under the plan.
Assemblyman
Jared Huffman sponsors the proposed regulation, saying that
if one third of California drivers took advantage of the
plan it would be the environmental equivalent of removing 10
million cars off California roads.
GMAC Insurance
Group, which offers car insurance in California as well as
other states, reported that the out-of-state drivers who
track their mileage using General Motors’ OnStar system have
cut the cost of their premiums by 13% to 54%.
Currently, even cheap California auto insurance rates are
usually based on the drivers’ own estimates of how much they
drive (often estimated in error), as well as their safe
driving records and years they have been driving.
Pay-as-you-drive insurance policies are now available in 34
U.S. states and in Canada, Japan and Europe.
The California Guide to Automobile InsuranceDid you
know that if you buy an auto insurance policy from a
California insurance broker that the broker is required by
California law to give you a free pamphlet called the
Consumer Guide to Automobile Insurance?
What’s in the
pamphlet? The pamphlet contains five tips to help you buy
auto insurance in California.
If your working with a
California auto insurance broker, be sure to ask for the
pamphlet. You can see the California Guide to Automobile
Insurance here.
Some important highlights:
What is difference between an insurance company and an
insurance broker?
The California Guide to Automobile
Insurance outlines the difference between an insurance
broker and an insurance company. An insurance company is an
entity that provides an actual car insurance policy. If you
make a claim, the insurance company will handle it.
An insurance broker is a third party that works with you and
insurance companies. Many times insurance brokers in
California try and help you find a better deal on your auto
insurance by helping you get multiple quotes.
Most
automobile insurance brokers charge a fee for their service.
By law, California insurance brokers are required to
disclose their fees to you. If your working with a broker
and you have not seen the fees associated with the service,
you should ask to see them ASAP.
Another important
law on broker fees: To charge a broker fee, a broker must
have you sign a broker fee agreement, and must give you a
special broker fee disclosure. You should request copies of
both of these documents.
How to
compare car insurance quotes in California
Unfortunately, there is no standard cost for car insurance
in California. While some insurance companies are being
forced lower rates, there is still a wide range of costs for
the same plan among different insurers.
According to
the L.A. Times: “Even when you eliminate the real dogs,
however, you’ll still find a huge range of prices for what
is essentially the same insurance. That’s because some
companies prefer not to write certain types of insurance in
certain areas, and price accordingly. Insurers also know
that there’s a huge inertia factor–not as many consumers
shop around as they should.
That’s why a married
couple in Burbank with a good driving record might pay
$2,144 a year for standard coverage from the Auto Club of
Southern California, while the same policy from State Farm
might cost $2,958 (these figures are from last year’s
California Department of Insurance premium survey). Geico,
meanwhile, was charging $4,372. All three companies have
good reputations for customer service and for paying claims,
but the couple who go with the Auto Club could save more
than $2,000 a year.”
With ranges like that, comparing
insurance costs between California companies is a must. So
how should you go about comparing?
Compare apples to
applesThis seems quite obvious, but many people compare
different plans without realizing. Make sure that your
insurance coverage matches from plan to plan.
Get at
least three auto insurance quotesThe more quotes you
get, the better chance you have of finding cheap auto
insurance. Get at least three quotes. If you can get five,
that’s even better.
Don’t just look at free car
insurance quotes onlineThere are many sites that give
instant free quotes online. But don’t base your decision off
that alone. Call each of the companies to get a feel for
their process, their customer service, and their call hold
times. Sometimes low-cost car insurance can cost you in the
long run (click to read why).
Ask aroundMany
people don’t do enough research before purchasing car
insurance. One easy way to get info is to ask family,
friends, and co-workers about the car insurance they use and
their experience with their auto insurance companies.
Google it!Before you are ready to buy, make sure to
Google the company name of the insurer and see if there are
a lot of complaints. Also check with the Better Business
Bureau.
Check the listLastly, make sure the
insurance company isn’t on the list of the worst auto
insurance companies in California.
Is there a
downside to low-cost auto insurers?Getting cheap
auto insurance is always a good thing, right? It’s not an
easy question to answer. The easy answer is of course it’s a
good thing. What California driver wouldn’t want to save on
car insurance?
But is there downside?Think
about it. If two California car insurance companies are
offering you the same exact coverage, but one company’s
premium is $500 more, what causes that company to raise
their prices?
It could be a number of things. Perhaps
the cheaper company doesn’t have any insurance agents in
California. Maybe it’s all done over the phone. That keeps
their costs down and keeps your premium lower. But it also
means that you can’t meet face to face with an insurance
agent and it may mean long hold times on the phone.
Perhaps the cheaper car insurance company is willing to make
less of each policy in hopes of getting more people to use
them for their cheaper rates. But maybe a company like this
has to worry more about their bottom line since they are
making less off your insurance policy. Maybe they will be
more likely to fight you tooth and nail on minor claims.
As you can see, getting low cost car insurance in
California could come with some tradeoffs. Keep that in mind
when getting insurance quotes. Always make sure to shop
around and compare rates from different companies in
California. And don’t forget to ask friends any family about
their experiences with their insurance companies.
