Hi! My name is Brian Stevens. I am a former Insurance Agent and Financial Consultant and I want to show you how to get California other insurance quotes. In order to drive in the State of California, you are only required to have liability Insurance. This pays for damage to another person’s car or property when you are fault in an accident. It also pays for any medical expenses they or their passengers may incur and compensates them from pain and suffering.
The minimum liability coverage in California is expressed as the numbers 15-30-5. That means you need to have $15, 000 coverage for injuries to anyone person in the other car, $30, 000 in coverage for injuries to all persons in the other car and $5, 000 coverage for damage to the other persons car or property. If you do not have a lot of assets the minimum liability coverage maybe enough, but if you have assets and you want to protect from a lawsuit you should increase your liability insurance to cover them.
Optional converges include collision coverage, this pays for repairs to your car no matter who is it fault? If you drive an older car that is not worth much consider eliminating this coverage. If you drive a late model car you can save money by increasing your deductible. Comprehensive coverage, this pays for damage done to your car by anything other than a collision such as a fire, vandalism theft pail etcetera, if you have an older car you may want to skip this coverage. If you drive a newer car you can increase your deductible to save on your premium.
Personal injury protection, this pays for your and your passengers medical bills when you are involved in an accident. If you already have medical insurance you can consider doing without this coverage.
Uninsured motorist coverage, this pays for your and your passenger’s medical expenses and damage to your car caused by uninsured, under insured or hit and run driver. One corner of the drivers in California of driving without a license so, this is good insurance to have. Because rates can vary dramatically from one company to the next in California, the best way to get the cheapest rate is to compare quotes from different auto insurance companies.
Thanks to the internet you can go to an insurance comparison website that represents a number of companies and get multiple insurance quotes. Visit lower rate quotes.com to get cheap other insurance quotes from top rated companies and see how much you can save. You can get more tips and advice in their article selection and get answers to your questions plus get tips on how to lower your premium from an insurance expert by using your online chat service. Just enter www.lowereratequotes.com into your internet browser or if you are in YouTube or meta café click on the lower right quotes link to the right or the button of this video.
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