The fact that there are multiple auto insurance companies and their policies and requirements are different for each state making you harder to choose which one is the most suitable for your private car. Various options are available, but do you really want to spend your time pondering one by one before you finally choose one to buy? It is good, though, if in the end you manage to find the one suits you best. But if not, you are wasting your time already.
For you who reside in California, below are five important steps to do when you want to buy auto insurance in California.
1. Understand the California state insurance requirements
This is compulsory. When it comes to your mind that you need a car insurance, first you must check the state insurance requirements before you do anything else.
California state law requires minimum Bodily Injury Liability limits of $15,000 per injured person up to a total of $30,000 per accident, and Property Damage Liability coverage with a minimum limit of $5,000. This basic coverage is often referred to as 15/30/5 coverage.
The required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000 Limits.
2. Set your budget
Auto insurance companies are working in the same field. They sure know exactly how other company works and also, their rates.
What you need to do is, set your budget. You know your own living, you know how much your car values, you sure have to set the limit for your insurance. Do a careful calculations before you decide how much should you spend on a car insurance.
3. Find online car insurance websites
Welcome to the 21st century. You need to know that there are abundant auto insurance companies through the Internet. Who wants to go outside when you can find auto insurance inside your home?
Keep in mind that you already set your budget. Use that as a guide. Find car insurance that in the range of your budget. Do not tempted by super cheap rates that are below your budget. Remember, you are looking for an insurance which in the range of your budget. And do not forget, what you pay determines what will you get.
4. Have your own research about auto insurance quotes
When you finished browsing on the Internet, you might find a couple of auto insurances that fits your budget. The next thing to do is, spend another 15-30 minutes to research further about those companies. It is important to know their experiences in auto insurance world, their contributions, policies, and so on. Do some researches, and then compare them.
You might also want to ask your relatives whether they know any of them or give you a recommendation.
5. Look for some discounts
In California, there are even some discounts for senior driver, good driver, good student, defensive driving class, safe vehicle, low income and multi-policy coverage. Indeed, these discounts are not always available, but you can always check, or ask, is there any discounts your auto insurance offers. We all love discounts, don’t we?
No matter which insurance company you choose, always double-check your decision before making a commitment. It is also better to make a visit to their office, take home the materials, read them over, and consult with the customer service officer. Remember to spend what should you spend, in other words, what you have set as your budget. Not more, and not less.