Auto Insurance Agency

Reader’s Question:

How would I know if I am buying the cheapest car insurance coverage that I can get here in California? Do you have any tips for me?

Omar

Berkeley, CA

This is a very good question. It takes a good deal of research and some shopping around to strike that delicate balance of affordable, yet sufficient auto insurance coverage for your vehicle there in California. So how does one know if they are buying the cheapest auto insurance coverage? Well, the easy way would be to go to the Internet and run auto insurance quotes through the many Online auto insurance portals available, and basically zoom in on the cheapest price.

But cheapest doesn’t necessarily mean its right for you. It is just as important that you are carrying a sufficient amount of auto insurance coverage. You can start off by knowing what the state minimum liability amounts are. For California that would be under the 15/30/5 rule, which means you would need at least $15,000 for Liability coverage for a person you happen to injure in a car crash, $30,000 limit for liabilities due to injuries per accident and an additional $5,000 for liabilities for damages on properties per accident. Let this be your guide in choosing an affordable policy.

There area also many ways that you can bring down your auto insurance rates further by also recognizing what works with you current circumstances. If you have had a good driving record for the last three to five years, you can definitely get a good drivers discount, more so if you choose to undergo defensive driving classes. Additional locks and safety as well as security features in your vehicle can also provide you additional discounts.

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