The Ways To Get Car And Auto Insurance Quotes

Senin, 29 Januari 2018

Cheap Auto Insurance Quotes in California

Cheap Auto Insurance Quotes in California

If you are looking for auto insurance quotes, there are several things that you may want to keep in mind. Every state has minimum requirements for liability and other insurance that drivers must maintain. Many times the state minimum may not be enough insurance as the cost of both healthcare and vehicles have increased. At one time, people felt that the courts would only award a person prevailing in an auto accident lawsuit the top amount of the insurance limits; however, this is no longer true. Therefore, you may want to consider purchasing more insurance than the state minimum for liability insurance.

Cheap Auto Insurance Quotes in California
In addition, your auto lien holder will likely require that you have insurance coverage on your vehicle. If this is the case, the lien holder will want you to have full coverage insurance. The company may also set the deductible maximum.

If you fail to meet the minimum state requirements for insurance, you may lose your driving privilege and be fined. If you do not have the required insurance for your auto loan, the finance company will buy insurance for you and you will pay several times more for that insurance than you would pay for your own insurance.

To get those auto insurance quotes, you can choose to use the phone or the internet. When using the phone for auto insurance quotes, be sure that you tell each agent that you are comparing quotes and would appreciate his best price for auto insurance. Let them know that they must be competitive in order to get your business.

The internet will allow you to access quotes in a couple of ways.
First, you may be able to find websites that give you instantaneous quotes. As soon as you press the submit button, the quote is posted on your computer as quickly as it is able to open a web page.

The other way you may get quotes is by submitting your information on a form that will forward it to several insurance companies for quotes. These quotes should arrive quickly into your e-mail box for comparison.

Once you receive the quotes, you may find that they vary widely. Be sure that all the quotes are for the same amount of insurance and then choose the least expensive.

The first time you compare auto insurance quotes, you may find that you can save several hundred dollars every year over the amount you have been paying for auto insurance. In subsequent years, you may not save as much, but you should run the numbers just to be sure.

Best Cheap Car Insurance in California
If you’re looking for cheap car insurance in California, getting the best deal may require some patience. Rates can vary from one company to the next, so it pays to compare as many estimates as possible.
Cheapest for good drivers
For drivers with no at-fault accidents, DUIs or moving violations.
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Price: $1,264/year
Get a quote: www.esurance.com
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Price: $1,279/year
Get a quote: www.mercuryinsurance.com
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Price: $1,343/year
Get a quote: www.geico.com
Esurance returned the cheapest rates for this group in our test, at roughly $105 a month, followed by Mercury and Geico. If you have no violations or crashes on your record, look into discounts companies offer that reward your responsible driving. These sorts of perks could determine which insurer is ultimately cheapest for you.
Cheapest for young drivers
For drivers in their early 20s.
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Price: $531/year
Get a quote: www.geico.com
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Price: $684/year
Get a quote: www.mercuryinsurance.com
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Price: $703/year
Get a quote: www.esurance.com
Drivers in their early 20s often need less coverage than older motorists who have families and greater savings to protect. For this reason, we ran rates for young motorists carrying the minimum required coverage in California.
Geico delivered the lowest sample quote in our results for young drivers in the general population, about $44 per month.
Cheapest for drivers with one at-fault crash
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Price: $1,820/year
Get a quote: www.esurance.com
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Price: $2,081/year
Get a quote: www.mercuryinsurance.com
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Price: $2,415/year
Causing an accident in California can add a significant amount to your premium. The lowest average quote for this category was over $500 more per year than the cheapest estimate for a driver of the same age with a clean record.
Esurance was the best choice for non-military-affiliated drivers in our analysis, with Mercury and Auto Club (AAA) rounding out the three cheapest options.
Cheapest for retired drivers
For drivers in their mid-to-late 60s who no longer use their car for commuting.
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Price: $1,010/year
Get a quote: www.21st.com
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Price: $1,033/year
Get a quote: www.mercuryinsurance.com
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Price: $1,064/year
Get a quote: www.esurance.com
Given their reduced annual mileage, retired drivers can find the relatively cheap car insurance in California compared to drivers with a daily commute. 21st Century delivered the best rates in our analysis, at roughly $84 per month, with Mercury and Esurance not far behind. To save even more, retirees should look into discounts aimed at mature or retired drivers age 55 or older.
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Article Source: http://EzineArticles.com/3133800, https://www.nerdwallet.com/blog/insurance/cheapest-car-insurance-in-california-ca/
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