The fact that California is well known for congested traffic, high accident counts and a ridiculous amount of commute time, means good auto insurance in California is crucial. Without it, you run the risk of needing repairs due to accidents that aren’t covered, or big gaps in the auto coverage itself.
When it comes to choosing auto insurance in California, it’s important to know exactly what you’re looking for in the coverage. Start by making a comprehensive list of the things you should find out from a California auto insurance company before deciding to do business with them. Something you’ll want to keep in mind when making the list is what kind of auto insurance you are looking for.
For example if you drive a new vehicle that you make payments on, you’ll be required to purchase full auto insurance coverage which will cover both you and the other party, if an accident were to happen that was found to be your fault.
If the car you drive is not new and/or you own the vehicle outright, you have the option of choosing simple liability auto insurance for the State of California. This coverage would insure the driver of a vehicle you had an accident with and was deemed your fault, but would not cover your own vehicle under any circumstance.
The benefit of having liability auto insurance is the fact that it’s less expensive than full coverage. On the other hand, you’ll have to make a decision on whether or not your vehicle is worth more than what you’d pay for full insurance. While full coverage is more expensive than liability coverage, it can save you a lot of money in the end if you’re vehicle is worth more than what you pay for the full auto coverage.
Now What?
After making a list of your needs and preferences in an insurance company, comparison shop until you’ve narrowed down 3-4 of your favorite options. The state of California has many auto insurance options, so make sure not to settle. Once you’ve narrowed the playing field, find review website for insurance companies to find out what others have to say about the service. Websites like www.carreview.com can offer you valuable information for auto insurance in many states, including California. Other websites like www.carinsurance.com can offer different quotes from insurance companies, making it easier to comparison shop.
