California Insurance Guru

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 law is $5,000.  No deductible applies to this coverage.  Be sure to talk to your agent, I would never recommend the minimum amount required by law.  Keep in mind, most vehicles to repair or replace would likely be more than the minimum amount. [Read the rest of this entry…]

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.

1. 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?  Let me give you some facts.  If you have an accident that includes injury or 2 moving violation tickets in the last 3 years, you will lose a good driver discount and thus pay higher premiums.  If you have an accident with damage to property only or 1 moving violation ticket you will see a surcharge to your policy, but you will still receive your good driver discount.  As you can see, the more tickets and accidents the more you pay. [Read the rest of this entry…]

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 [Read the rest of this entry…]