Monday, May 30, 2011

How to Find Cheap California Auto Insurance Quotes Online | Car ...

Article by Andrea S. Jackson

According to the California Department of Insurance, the best way to save money on auto insurance is to comparison shop. As a free service to their site patrons, MyCaliforniaInsurance.info brings all of the top insurance companies together to provide cheap California auto insurance quotes and more. Contacting companies individually is quickly becoming a thing of the past. MyCaliforniaInsurance.info will take your information and send it to the top companies saving you the time and hassle of contacting these companies separately. Your personalized quote will be emailed to you in as little as 15 minutes from the top insurers in California. An added benefit of using this site is to keep updated on all the latest insurance issues affecting Californian?s, as well as to get answers to questions you may have.

There are factors that can have an affect on your cheap California auto insurance quote. A drivers age, young or old, will greatly alter the price, unfortunately in a negative way. Teens get charged some of the highest rates and teen males have it the worst; sorry fellas. This is because of the experience level of these new drivers. Also, when a driver becomes 70-75 years young, the price will again increase. This is due to an increase in paid losses within this age group.

The number of tickets and accidents you have will also affect the price you pay. If you want to enjoy the lowest possible rates, don?t get any points on your license and don?t have accidents. Careful drivers will always have the most cheap California auto insurance.

Many companies are able to use your Credit Score to determine price, so those with better credit will pay less every month on their car insurance. This doesn?t seem fair, almost like taxing the poor. Insurance companies, however, have risk models that show people with lower credit scores have more accidents which equates to insurance companies paying out more money.

The higher the coverage limits you choose for your policy, the more protection you have, and the more money you will pay. It is not always the best idea, to choose the lowest amounts of Bodily Injury Liability, which is the coverage that will pay out should you injure someone you run into. The same goes for Property Damage coverage. The state minimum of ,000 may not be enough to protect you if you cause serious damage to another person?s car. Especially since a new bumper these days costs on average ,300 to paint and install. Any additional body damage or frame damage will likely result in you paying out of your own pocket to fix someone else?s car.

Any additional coverages will increase the monthly cost of car insurance in California. These may include Uninsured Motorist Liability, which will protect you and your passengers if someone hits your car and doesn?t have insurance or enough to pay for the injuries. Rental car coverage is another option as is Towing and Medical Payments coverage. We will discuss Medical Payments coverage in detail within our Auto Insurance Forum click here=>.

To find cheap California auto insurance quotes online, you have finally found the right place! MyCaliforniaInsurance.info has a system implemented to get the top companies competing for your business and offering you their best price for auto insurance. Why chase down each company individually when you can get up to 8 free auto insurance quotes right in your email?

About the Author

Andrea S. Jackson is a contributing author for MyCaliforniaInsurance.info, California?s Insurance Blog. For the latest insurance news, information, and free online quotes around the state of California, click here=>

Source: http://insurancequoteonlineinfo.com/car/how-to-find-cheap-california-auto-insurance-quotes-online/

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