California Insurance Guru

All insurance companies charge higher rates for drivers with accidents or tickets on their records.  Insurance companies charge higher rates because statistics show that these drivers are higher risks.  Each company has different ratings, but they all adjust their rates to reflect their exposure.

Don’t confuse these two coverages, they are different. I’m going to first talk about property damage coverage.  You are required to have property damage coverage on your car policy.  Property damage covers damage you cause to someone else’s car or property when you are at fault in an accident.  The minimum property damage coverage by […]

Auto insurance is expensive.  But, there are ways to keep your insurance premiums down. I will mention 6 factors that affect your car insurance premiums. The first factor is your driving history. What kind of driver are you?  Do you have tickets and accidents on your record or do you have a clean driving record?  […]

Shop around and make sure the quotes you are comparing match your current policy. Talk to the agent about higher deductibles for comprehensive and collision.  The higher the deductible the lower the premium.

Auto insurance is expensive.  But, there are ways to keep your insurance premiums down. I will mention 6 factors that affect your car insurance premiums. The first factor is your driving history.  What kind of driver are you?  Do you have tickets and accidents on your record or do you have a clean driving record?  […]

Shop around and make sure the quotes you are comparing match your current policy. Talk to the agent about higher deductibles for comprehensive and collision.  The higher the deductible the lower the premium.

The following are the minimum legal requirements for getting auto insurance in California: · Minimum bodily injury liability per person in an accident: $15,000 · Minimum bodily injury liability per accident: $30,000 · Minimum liability for property damage in an accident: $5,000 · Uninsured motorist coverage is NOT required · California is NOT a “no-fault” state

The following are the minumum legal requirements for getting auto insurance in California: · Minimum bodily injury liability per person in an accident: $15,000 · Minimum bodily injury liability per accident: $30,000 · Minimum liability for property damage in an accident: $5,000 · Uninsured motorist coverage is NOT required · California is NOT a “no-fault” state