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Does It Pay to Be Loyal to Your Auto Insurance Company?

    3 minute read

    does it pay to be loyal to your insurance companyLoyalty. It’s ostensibly a virtue that should be cherished above most (or all?) other human qualities. In theory, a person who is loyal to something or someone should reap bountiful rewards for his or her dedication and steadfastness.

    But these days, there are many situations where this simply isn’t the case. You can have a checking account at a bank for years, but they might still deny you a car loan or mortgage. You could be a credit card holder with a certain company for a decade, but still see your interest rate jacked up if you miss a payment. And there are countless Americans who have been laid off from a company after working there 20 or 30 years or longer.

    In short, the respect and admiration for loyalty isn’t what it used to be. But here’s a little good news: loyalty does count for something in today’s auto insurance industry.

    Read More »Does It Pay to Be Loyal to Your Auto Insurance Company?

    Does California Offer Alternatives to Car Insurance?

      3 minute read

      Hopefully, you’re aware that carrying Car Insurance is a requirement in the state of California for all drivers. In fact, the law requires all motorists to obtain an auto policy. Just in case you didn’t know, you cannot legally drive without Auto Insurance coverage in California. This fact may not bode well for drivers with a not-so-great record. Such drivers may have increased Auto Insurance premiums, or they may not be able to find insurance at all.Read More »Does California Offer Alternatives to Car Insurance?

      Could You Be Eligible for California’s Low Cost Auto Insurance Program?

        2 minute read

        These days, times are tight for many Californians. After spending their paychecks on housing, food, and utilities, many households still have to find enough money in the budget for auto insurance in order to drive legally in the state. Unfortunately, California is one of the most expensive states in the country when it comes to auto insurance. So drivers have no choice but to bite the bullet or refrain from driving, right?

        There may be another option. It’s called the California Low Cost Auto Insurance (CLCA) program.

        The idea behind this program is to allow low-income Californians a means to insure their vehicles if they cannot afford auto insurance on the open market. These policies are partially subsidized by the state government and issued by participating insurance companies. People who qualify can purchase up to $10,000 of per-person bodily injury or death coverage, up to $20,000 of per-accident bodily injury or death coverage, and up to $3,000 for per-accident property damage coverage. Underinsured motorist and medical payments policies are also available through CLCA.

        How Do You Qualify?

        Read More »Could You Be Eligible for California’s Low Cost Auto Insurance Program?

        Do You Need a Commercial Car Insurance Policy?

          3 minute read

          commercial policy for your businessMany Californians are known for having nontraditional jobs. In addition to the well-documented actors, musicians, and artists, there are plenty of residents who eschew standard nine-to-five employment to work for themselves, while others choose to augment their regular income with side businesses. Not only can these individuals earn some extra cash, but they can also utilize their innate talents to help others and become a more integral part of their communities.

          However, many of these entrepreneurial types may not realize that they need commercial car insurance. Depending on what type of industry they are in or which kinds of services or products they provide, they may be better protected if they obtain a commercial auto insurance policy.

          Why Regular Auto Insurance Might Not Cover Your Business

          Read More »Do You Need a Commercial Car Insurance Policy?

          Could Your Marital Status Impact Your Car Insurance Rates?

            3 minute read

            marital status and car insurance ratesAh, marriage — that beloved, respected, and cherished institution. Many people in California identify marriage as one of their biggest personal milestones; and some even view it as a life goal. And for everyone who ties the knot, their very existence is altered on a practical level. Married couples make decisions together, inherit their partner’s family and friends, and adjust their daily lives to account for another person.

            Oh, and marriage also affects auto insurance rates as well. But this, as with many (all?) aspects of marital bliss, is usually a good thing.

            Married? Congratulations… On Lower Auto Insurance Rates!

            It’s true: married drivers tend to pay less for auto insurance than their unmarried counterparts in most (but not all) states. Though the difference varies by state and insurer, a wedding ring is good for an approximate 10% cut in premiums.

            Read More »Could Your Marital Status Impact Your Car Insurance Rates?

            How Can I Find Out What’s on My California Driving Record?

              3 minute read

              You may be aware of the fact that your life is categorized in a series of records. You get a birth certificate at birth and a social security number before you start working. Your home address, employment information and tax filings are all in a database somewhere. Well, there’s also a record that tracks your driving mishaps. More specifically, your driving record keeps track of all of the moving violations, license points and auto accidents that you have accumulated in recent years. As a Californian, you have the right to see what’s in this important document.Read More »How Can I Find Out What’s on My California Driving Record?