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Frequently Asked Questions About Cheap California Auto Insurance   by eric.weeks

California auto insurance companies provide low-cost policies for drivers who work in rated lines of work, good motor vehicle operators, students and seniors alike. But how can you locate such a company? Possibly the simplest method to locate cheap or inexpensive coverage is to shop for companies that offer discount

rates. Should a driver hold more than one policy (auto, home, life, etc.) with the same company, he can conceivably receive a discount on each of those plans. It’s also conceivable to lower the amount of premium by first increasing one’s deductible. Maintaining anti-theft devices and limiting, to a degree, the amount of miles put on the vehicle will qualify you for additional discounts as well.

Here are a few questions that we hear most. Knowing the answers is your first step toward finding the provider that’s just right for you:

1) What should be the primary criteria for selecting an auto insurance company?

Coverages being equal, price simply has to be the most important consideration in your auto coverage selection process. Any reputable company with the deep pockets necessary to manage car accident claims evenhandedly and promptly, with an A+ or higher financial stability rating should prove itself the ideal choice.

2) When is a policy holder allowed to review his or her auto coverage?

Let it be known, there are no hard-and-fast restrictions when it comes to reviewing your California auto insurance plan. You can review and change such coverage whenever life-changing circumstances arise, such as home-ownership, getting married or divorced, or something as simple as a new car purchase. However, a twice-a-year review of coverage is typically considered standard by the industry.

3) What minimum levels of coverage is a Californian mandated to carry?

In accordance with California’s state laws, drivers are required to carry a minimum policy of $15,000 bodily injury coverage per person, $30,000 coverage for all bodily injured people, and $5,000 property damage coverage for a single accident. It is neither necessary nor mandated to carry uninsured motorist coverage in the state of California.

4) Does California insurance law allow a driver to pay his or her annual premium up-front, in one lump sum?

At this time paying one’s annual premium up-front and in-full is not allowed but the good citizens of California do have a good selection of payment schedules from which to choose. The schedule of payment plans include, but are not limited to, semi-annual, quarterly and monthly payments.

5) At what time should a California motor vehicle operator pay his or her deductible? And does prompt payment help lower costs?

Typically, a California driver or owner will pay the deductible directly to the automotive facility where the vehicle’s repair work is being completed. Any money owed for repairs above and beyond the deductible will subsequently be covered by the auto insurance company. As far as prompt payment of the deductible lowering one’s rates, I’ve never experienced such an instance. Typically, if deductibles are being paid then accidents are occurring. And, when accidents occur, premiums usually increase.

About the Author

Eric Weeks, a former 15 year financial planning veteran, is a leading expert on California auto insurance and cheap California auto insurance since 1989. Visit these links to learn how you can get the best deal on California auto insurance.
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