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:

My husband and I are under the same car insurance policy here in Santa Clarita, California and we are getting a divorce. I was never interested in going over the policy so I don’t know anything about any coverage. What are the important things that I need to know about car insurance here in California before I get my own policy?

Neha

Santa Clarita, CA

If you will purchase your own car insurance in Santa Clarita, California, you should have bodily injury and property damage coverage. For bodily injury to a single person, you need to have a minimum coverage of $15,000; for bodily injury to two or more people in one accident, you must have $30,000 minimum coverage; and for property damage for a single accident, you need to have $5,000 minimum coverage. It is recommended that you buy more than the minimum amount of coverage so that you will have sufficient protection.

You also need to know certain coverage limitations of your car insurance policy. There could be some instances that your coverage does not apply, such as the following:

–Bodily injury or property damage that happened when the car is used while carrying people or property with a fee.

–Any injury or property damage that is brought about by an intentional act.

–Any injury or property damage on an automobile that is owned by a named driver on your policy but the automobile is not listed in the policy.

–Property that is owned by, leased by, or in the control or possession of an insured individual.

Reader’s Question:

I am under my mom’s car insurance policy and I am buying my own car soon. I’ll get my own car insurance as well here in Los Angeles, California and I kinda need help in deciding which car to purchase. What are the factors that I need to consider in terms of car insurance before I buy a new car?

Imari

Los Angeles, CA

Purchasing a new vehicle could be a very thrilling and tremendous experience. You have to be ready on a lot of things so that your shopping experience would be trouble-free and faster. Prior to going to car dealership, create a list of the things that you want to have in a car. While you are creating the list, bear in mind the same things an auto insurance provider will consider when giving an insurance rate quote. Some of these things are the number of passengers that the vehicle would normally hold, how frequent you use your vehicle, how you use it and where you drive. These things would aid in identifying the best car you need and would also lend a hand for you to have cheaper auto insurance rates.

You would also have to create a list of all the attributes and choices that are significant to you such as engine, anti-lock brakes, airbags, security devices, etc. Auto insurance providers usually offer discounts for some of these things and this will save you considerable amount of money on your auto insurance premiums. Once you already have a new car that you need to insure in Los Angeles, California, don’t hang back on getting free comparison quotes from this website.

Reader’s Question:

Hi, I’m a 19-year old college student here in California and I just got my own car. They say that teen car insurance is very costly especially if you are not under your parent’s policy. Is there a way out of paying more for my car insurance if I don’t get on my parent’s policy?

Thelma

Florence-Graham, CA

Even if you just got your own car, you know too well that it would be against the law to be on the road unless you have the proper car insurance. What you heard about getting teen car insurance can be too costly is right. Car insurance providers based their premium rates for teen car insurance on statistics that have been there for years. These statistics show that people with the same age range as yours have had a lot of accidents with their vehicles. Those who are between 16 and 19 years old are said to be three times more likely to get into an accident for every mile they drive than those who are between 65 and 69 years old.

For you to have the most affordable teen car insurance in California you have to get on your parent’s policy. However, if you can’t do that, you can still lower your car insurance rates. At the very least, all you have to do is to compare the premiums of all the car insurance providers that you can by getting quotes from them. You would see that the rates could differ a little from company to company.