Purchasing California car insurance can be a daunting task if you are not prepared. Knowing what you need and having the correct information when you need it is essential to making the process easy. Below are some basics things that you should know when applying for an online quote or speaking with an agent over the phone.
If you are insuring multiple drivers on your policy, you will need their personal information. You will need the driver’s names, sex, age and marital status. Other information that may be required includes annual miles driven and driving record. All this information will help the agent to get you started with a quote.
You will also need to provide information about all of the vehicles that you wish to have included on the policy. You will need to provide the Vehicle Identification Number (VIN), found on the registration or the front driver side window, car make, cost, style and any other modifications to it.
You will then be asked for the amount of coverage you would like to have on the vehicles. The amount of coverage you elect to take will determine how much you pay for the policy. Example: the most complete coverage would include coverage for your vehicle, Uninsured Motorist coverage for damage you suffer from an accident where the other party is uninsured, Liability coverage to cover damage you may do to others, and Medical coverage which pays incidental medical expsenses for anyone involved in an accident. A moderate policy may only cover Liability and Uninsured Motorist, but no coverage for your own car (typically, if it’s older and paid off). A policy such as this would be more affordable. Have an idea of what you want to cover and how much you can afford to pay for insurance and relay this information to the agent or in the quote form.
Lastly, take good notes, shop around or compare coverages online. Taking notes about what you are quoted will help you to compare different company’s rates. You want to make sure you are seeing apples-to-apples. When receiving a quote from a company, see if they will compare their quote to another company’s and have them explain any differences.
Buying California car insurance doesn’t have to be a difficult task. If you need a quote or have any questions, please contact a qualified representative at www.aisinsurance.com.
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.