The bill that was signed by Governor Schwarzenegger back in 2006, banning the use of hand held mobile devices while operating a motor vehicle, is set to go into effect on July 1, 2008. The Governor believes that the new hands free law will make the roads safer.

He said, “The simple fact is it’s dangerous to talk on your cell phone while driving. CHP data show that cell phones are the number one cause of distracted-driving accidents. So getting people’s hands off their phones and onto their steering wheels is going to make a big difference in road safety. The ‘Hands-Free’ cell phone bill will save lives by making our roads safer. I want to thank Senator Simitian for authoring this bill and for his commitment to the safety of his fellow Californians.”

What the law states:

• The law prohibits drivers from using any type of hand held mobile device while driving, beginning on July 1, 2008.
• Drivers can make emergency phone calls with their hand-held phone.
• Commercial drivers may use push-to-talk phones until July 1, 2011
• Emergency Response drivers may use hand held mobile devices
• Drivers under the age of 18 are not permitted to use any type of mobile device while driving; even if it is a hands free device.

It is still encouraged to not use your cell phone at all while driving. Although using a hands free device is better, it does not completely eliminate the distraction of talking on the phone. If you can, please pull over to the side of the road to make any necessary phone calls.

If you are caught driving in California while talking on your hand held device, you will receive a $20 ticket on your first offense. If you get caught again, the fine goes up to $50. Right now, you will not receive any points on your driver’s license for violating this law, but law enforcement officers can pull you over solely for this violation.

The law goes into effect on July 1, 2008. There is no grace period; so make sure you get your hands free device in time.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

 There are many factors that auto insurance companies take into consideration when determining your auto insurance premium. The way in which you meet these criteria can have a positive or negative impact on the amount you pay. Some of these factors are you the driver, your driving record, credit rating, where you live, type of automobile, and your annual mileage. While there are other criteria that may help to reduce your rates, these are the standard qualifications that are considered when formulating your auto insurance premium.

You the driver:

Many things about you that you can not control will affect your insurance premium. These things include your years of driving experience, gender, and marital status. For example, male drivers with limited experience will pay higher rates due their increased likelihood of becoming involved in an accident.

Driving Record:

Auto insurance premiums are based upon the costs to cover future claims and your statistical risk; which is based on past accidents, traffic violations and years of driving experience. If you have a history of accidents and traffic violations, you are much more likely to pay higher auto insurance premiums. Also, new drivers will likely pay higher premiums as they have not yet established a good driving record.

Where you live:

Where you live plays an important role in determining your auto insurance premiums. Most insurance companies will base this upon your zip code. They have formulas which calculate the risk of accidents within a given area based on traffic volume, which is usually higher in urban areas, and vehicle theft and vandalism statistics.  The California Department of Insurance has recently mandated new regulations that will decrease the significance of where you live, but it is still a factor.

Your Vehicle:

The type of vehicle you own also can help or hurt your insurance premiums. One thing to take into consideration when purchasing a new car is the price of repairs. If parts are generally more expensive, then it is likely your rates will be higher. Having a vehicle with certain safety features; such as anti-theft devices, good crash test ratings and low theft reports, can help to reduce your insurance premiums.

Where you drive:

When applying for a policy you are required to state your annual mileage.  The more you drive, the higher your insurance premium. Since you are on the road longer, your chance of being involved in an accident is greater. 

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Many classic car owners think that their regular auto insurance covers their classic car with the same level of coverage. However, they are incorrect. If your vehicle fits into the classic car category, make sure you purchase a special policy that will provide you with the appropriate coverage to protect you and your vehicle.

Different types of vehicles can fall under the classification of a classic car. The following is a list of different types of classic cars.

- Antiques: 25 model years and older

- Classics: 20-24 model years

- Collectibles: 15-19 model years

- Exotic Cars: Newer than 15 years, considered to be appreciating in value

- Street Rods: Made before 1949, mechanically and/or cosmetically altered

- Customs: Made since 1949, mechanically or cosmetically altered

- Kit cars: Built from purchased packages, and assembled by an experienced professional,     manufacturer or dealer.

Before you take out a classic car insurance policy, make sure to fully understand what is and what is not covered. Coverages and qualifications may differ between companies. Click here to start the quote process for your classic car. Make sure to have your personal information and vehicle information handy when filling out the application. You can receive a quote in less than 10 minutes, so get started today.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.