Free DUI Lawyer In California

Reader’s Question:

I just got off the phone with my mom and she actually surprised me that she is getting me a car here in California. I usually just borrow car from my parents and I am so excited to get my own. Am I gonna have problems getting low auto insurance rates because I’m a young driver?

Galen

Redondo Beach, CA

I wanna congratulate you, Galen, because you’re gonna have the first ever car that you own. I can only imagine how excited you are about it and it’s totally understandable that you may worry about the auto insurance rates since you are a young driver. But there are still ways for you to get low auto insurance rates in California as a young driver. If your mom hasn’t bought you that car that you wanted to have, make sure that what she buys is an economy-friendly vehicle. You may settle first with smaller cars and not opt to have those big SUV’s and sports car. These types of vehicles are the most expensive ones to insure especially if you’re gonna get your own car insurance and not gonna be under your parents’ policy.

Probably the most effective and most cliché-sounding way to get low auto insurance rates is to shop around. You have to look at different auto insurance quotes and coverage that various providers are offering. This way, you would be able to choose the best one that suits what you need. Remember that the cost is not the only thing that you have to consider; make sure that the quality of the coverage is not compromised. Among the quotes that you have gathered, select the best auto insurance coverage that you can afford.

Reader’s Question:

I’m not decided yet but I have plans on switching to another car insurance company. If I let my car insurance policy here California expire, will it automatically be canceled?

Lamont

San Diego, CA

If you just let your car insurance policy in California expire, that doesn’t mean that it will automatically be cancelled. Instead, your car insurance company will still send you a bill for the next policy term and if you don’t pay it, they will be the ones to cancel your policy. If this happens, you’re gonna have to pay more on your insurance if you switch companies because you have a cancellation on your record. Other car insurance companies will think that you are irresponsible, thus would put you in the higher risk category. In that case, they won’t take into account that much whether you have a good driving record or not. All they would see is that you have a cancellation on your insurance history.

To keep that away from happening, you need to formally cancel your car insurance policy. To do this, you may talk to your insurance agent or call your insurance company directly informing them about your intention to cancel and the date of cancellation. What they’ll do is send you a cancellation request form which is most likely already filled out and all it needs is your signature. But before signing, you have to read what’s on it very carefully and tell the insurance company if you have any objections. Even before you cancel your old policy, you’re always free to shop around the best car insurance by getting some free comparison auto insurance quotes.