Some are lucky enough to be on the California auto insurance policy of their parents, and they never seem to be interested in considering the importance of auto insurance. Soon enough, you will realize that you can’t stay on your parents’ policy forever, and you may need to consider visiting any California auto insurance company.
So, what is the need for auto insurance?
Actually, the first is, it is required by law. The Department of Motor Vehicles mandates that you have a financial responsibility for possessing and using a California auto insurance. The simpliest way of fulfilling this responsibility is by purchasing Liability insurance coverage. Minimum for bodily injury liability must be $15,000 per person and a total of $30,000 for everyone involvedin the accident. The minimum for property damage liability is $5,000 per accident. Liability insurance coverage gives protection to you in the case of property damage or bodily injury done to somebody else caused by you, in the process of driving your car. Those without California auto insurance, whn caught will be charged and greatly penalized. Violators may be faced with up to a hundred dollars fine for their first offense. If you are engaged in an accident without a liability insurance, whether it is you fault or not, your licence will be suspended. Apart for legal matters, car insurance in California is a protective way for yourself in events of accident. Accidents happens with or without your coverage, but car insurance in California help you back to your feet after the case of an accident. car insurance in California can also give protection from financial problems when you are faulty, and someone is hurt, or a property damaged during the accident. You absolutely need auto insurance. Go through more reasons below for more convictions on importance of auto insurance:
- When your vehicle is damaged or stolen, Comprehensive and collision coverage will take care of repairs, or replace the lost vehicle.
- When you and your friends are involved in an accident with your car, you can be sure that medical payments will be provided for under your insurance policy.
If you are a person who gives complaints about other people irresponsibility, then you have to check yourself by being responsible.
susan
December 25, 2009 at 1:51 am
Just get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.
B-girl
December 25, 2009 at 2:44 am
Insurance is individaul, so what is cheap for me, may not be cheap for you. it is based on driving record, age, vehicle among other factors.
Just get an online insurance quote to see how much insurance in LA would be. Go to http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html this will compare all companies in LA and give you the lowest prices. You may have to enter a LA zip code, so just look one up in google.
Hope that helps
Romantic_gentlemannn1234
December 25, 2009 at 3:51 pm
Check this resource out : http://tiny.cc/cheapestcaliforniacarinsurancequote
This site allows you to receive up to 5 free california car insurance quotes within minutes straight to your email from the top auto insurance brokers in the state, plus you can receive up to 35% off your current rates , and they give the discount because you found them online and you actually saved them the trouble of advertising through regular means offline which would have cost them an arm and a leg to get a lead. This is a win-win for you and for them.
Give it a try and see, plus its a free service.
ACIMTeacher
December 26, 2009 at 1:36 pm
You're not going to like my answer. Most auto insurance policies do not cover the use of a car for business purposes unless you declare the business use to the insurance company so it can be used to properly rate your premiums.
Jobs like courier, pizza delivery, small package delivery, etc that is done with a privately owned vehicle (not company owned) must be declared to the insurance carrier, because you represent a greater risk due to the added exposure to traffic. Sorry, but you may not be covered. Please check the "Declarations" page of the policy.
bac_1976
December 27, 2009 at 6:48 am
Well, California law doesn't apply to the other states – each state makes it's OWN laws regarding insurance.
I've checked with the CA insurance department website, and don't see ANYTHING like this. I'd be shocked if it was true – I think you're either misunderstanding something. It's possible that the rate for, say, towing, or medical payments to people in your car, is a flat rate, regardless of territory. But it's a flat out fact that some areas have more thefts, and others more accidents.
I seriously doubt that ALL rates are going to be the same in CA, regardless of where you live.
roxypinkness
December 27, 2009 at 6:55 pm
I don't know the fine amount, but he will more than likely face what they call an "SR-22" filing, where he will be required to show proof of insurance to the state for at least a year or two. Along with this lovely SR-22, he will be facing a license suspension, and that fine is hefty on its own. Although there is underlying insurance, that is probably from the lender's end, and is technically only protecting the lender if his car is damaged, and is not affording any liability coverage-and this is what the state requires. His best bet is to get insurance ASAP to make sure he is adequately covered, and try to plead not guilty to the ticket, and head to court to fight it. He made a big mistake that he will not only pay for in fines, but also deal with a license suspension, and high insurance for the next 5 years at least.
vestiti_junkie
December 28, 2009 at 5:41 am
I would suggest the auto club (AAA).
However, you are too young to be on your own policy. An insurance policy involves an application which is a legal binding document that you can not enter into unless you are 18. You will have to be added on to your parents policy and most likely the insurance company will not provide you a quote for the additional cost; your parents will have to call
You do qualify for a good student discount as long as you maintain a 3.0 GPA and stay in school full time. Also, let your parents know that insurance is less costly for females than for males. Good Luck!
bap32211
December 28, 2009 at 6:26 am
Yes, most of them are Nationwide. They are set up with agents from all over the place and when you get quoted they'll find you a local agent next to you based on your zip code, these do it with all major insurers
http://123automotive-insurance.solutionsarticles.com/compare.php?id=ap3
Sugarbaby
December 28, 2009 at 12:45 pm
I think almost all insurance companies requiere you to have license but try this site where you can get quoets from different companies so you can find it out
http://urlcut.com/insurancequotes