Looking for California car insurance reviews? Use our free California car insurance comparison tool to find and compare rates and information on the top California car insurance companies online.
The Internet is a wonderful source of information, and a site offering reviews of insurance companies can open your eyes to the number of choices you have. As a consumer, you will want to make sure you are dealing with a well-established company that has the financial resources to pay a claim.
Some car review web sites share customer reviews of the different insurance companies serving California. This information can be helpful, but you need to keep in mind that satisfied customers may not take the time to fill out an online survey. People who are not pleased with the level of service that their insurer has provided to them are more likely to express that fact online.
A Starting Point
There are approximately 70 companies offering car insurance products to drivers in California. A car insurance review site can provide you with information that includes a company history as well as the level of assets the company has at its disposal. It should also provide the names of the parent company, as well as any subsidiaries.
Some review web sites offering information about California car insurance also include an overview of the product lines the company offers. If you are looking to save money by having one company provide you with your car, renters or homeowners insurance (and business insurance, if applicable), then you can look for an insurer that offers all of these options.
Compare Coverage Options
California is a tort state for car insurance. As such, one driver is deemed to be “at fault” when an accident occurs. His or her insurance company will pay damages to the people who were traveling in the other vehicle and who sustained injuries.
The State of California has mandated that all drivers have California car insurance in place. At least $15,000 in bodily injury liability coverage to pay for medical bills and other expenses incurred by one person injured in an accident must be in force. The minimum level of coverage for all people injured in a single accident is $30,000. Along with the bodily injury coverage, drivers in California must also buy a minimum of $5,000 in property damage liability coverage. The benefits payable under this policy are used to pay for the cost of repairing the other driver’s vehicle. They can also be used to cover the damage to signs, guard rails, and mailboxes.
The minimum levels of coverage required by law may not be enough to provide all drivers in the state with the right coverage. The reason why people need car insurance is to protect their assets. When an accident occurs, the policy will pay out up to its monetary limits. Any damages payable that are over that amount must be paid by the driver personally. If the accident is a serious one, where the injured people need surgery and rehabilitation services, the minimum level of coverage will not be enough to pay for their medical bills and other costs.
To get the best possible price for car insurance in California, you should compare rates from different companies. Each one uses different criteria to determine what a particular driver’s premium rates will be. A California car insurance review web site will give you the names of insurers who can provide you with coverage in the state.
You can use the information to start doing your homework to find one that will give you the best combination of the level of coverage you need and premiums that you can afford. Many insurance companies will offer discounted rates in a number of situations. Ask a company representative if you qualify for a better price by insuring multiple vehicles or having more than one policy with the company
You will qualify for a better rate if you have a good driving record. Taking a defensive driving course and keeping your annual mileage low are also good strategies if you are looking to save money. Students who get good grades are considered a good risk and can get better pricing for their car insurance as well. Living in an area with few auto thefts is always a good thing from the insurer’s point of view, and you should ask if you can get a preferred rate based on this fact.
Make Your Decision
California car insurance reviews can help you find the right policy for your needs. When you are ready to get quotes for your California car insurance coverage, a web site featuring a quote tool that will show you rates from several companies can help you narrow down your choices (much like the one at the top of this page!). You can look at your choices altogether, and decide what will work best in your life. Get started comparing California car insurance quotes online today!