Who You Are Drives Your Rates
It’s all about you. An insurance company needs to know the basics to get your quote started: your age, sex, marital status, driving record, and of course the details about the car you drive. Why so many questions? Who you are has the biggest impact on the rate you pay. Auto insurance companies take these factors into account to offer discounts and coverage options that match your lifestyle.
Protect Yourself and Your Passengers
Know what’s required and what you need. Unless you’ve driving an off-road vehicle to work, California law requires you to buy liability insurance. But, that may not be enough coverage for injuries. Rising medical costs often result in underinsured motorist claims, when a long-term hospital stay exceeds the minimum limits most drivers buy.
Your own policy covers anyone in your car and usually covers anyone who drives your car with your permission. Comprehensive and Collision coverages protect your car. Gap Coverage is a good idea for a brand-new car, unless you have guaranteed replacement cost from your insurer.
Drive Safely and Lock your Car
California traffic is legendary. If you moved to California recently, you may be paying more for auto insurance. California ranks 16th on the list of average cost of insurance published by the Insurance Information Institute. And, 18% of California drivers are uninsured. With its crowded highways and high auto theft rates, it’s no wonder California auto insurance is so expensive. So, be sure to ask about discounts when you compare rates.