Archive for August 28, 2009

Vehicle Insurance Quote California CA

August 28, 2009 author No comments

Reader’s Question:

I have a new car courtesy of my boyfriend. Can I register it without any insurance? If not, please help me on how to get vehicle insurance quote in California so I can show it to my boyfriend.

Barbie

San Francisco CA

Since you are in California, vehicle insurance is a requirement for vehicle registration or renewal of registration. In some states, you need liability coverage before you will be issued a driver’s license. But generally, you need a vehicle insurance before you can drive on the road. The enforcement of this law might just vary from one state to another. There’s no way you can get away from it because ignorance of the law excuses no one.

California state law requires minimum Bodily Injury Liability of $15,000 per person up to $30,000 per accident, and Property Damage Liability limit of $5,000.

Vehicle insurance is a way to protect you and your car. Don’t you like to protect the gift your boyfriend gives you? Anyway, it is easy to get vehicle insurance quote nowadays. With the Internet technology, you can shop for insurance quotes at the comfort of your house right beside your boyfriend. So he can also help you out in deciding which insurance coverage to get from what company.

Now that you have an idea of what you want in your car insurance, and how much you can afford, then go to car insurance companies’ or brokers’ websites to get vehicle insurance quote. You can use their free insurance calculator to get free insurance quotes.

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The Smart Buyer’s Guide to Cheap Car Insurance Coverage

August 11, 2009 author No comments

Reader’s Question:

I’ve been shopping around town for some cheap car insurance policies but I’m not convinced the brokers here are giving me a good deal. Can I shop for a good policy on my own?

Kent

Beaumont, TX

Definitely! These days consumers have plenty of ways to shop for a good car insurance policy all on their own. You just have to know how and where to look. Here is a guide to help you out:

Step 1: The Basics

Before you go out and buy a policy, know the basics first. Visit your state’s department of insurance to find out about any requirements you may need to adhere to on your car insurance (e.g. state minimum liability amounts). This website can be very informative in helping you choose the right policy.

Step 2: Do Comparison Shopping Online

Use the Internet to your advantage by getting a free quote from car insurance comparison websites (like this one). You get access to the latest car insurance coverage offers and are able to compare more insurers in a quick and convenient manner. This saves time and enables you to find the best rates out there.

Step 3: Find the Best Companies

Ever heard of Moodys, J.D. Power, or A.M. Best? These are independent rating agencies that basically tell you which companies have the overall best performance in your state. Use this information to determine which car insurers you should be doing business with.

Step 4: Evaluate Your Policy

Before you sign the policy study it carefully. Pick only the coverage that suits your need. If you have excellent medical insurance consider dropping Personal Injury Protection. Lower your comprehensive coverage if you drive an old clunker. This will save you a lot of money in the long-run.

Step 5: Know Your Discounts

The great thing about car insurance is that discount options abound. You just have to find out which ones you’re eligible. Good driver discounts, safer vehicle discounts, defensive driver, and low-mileage discounts are just some of the many available.

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