This is the time to buy car insurance in California. It’s a little like standing in that crowded grocery store trying to find your favorite salsa. The number of options is dizzying and all of them swear by their bugleblower that they’re the best thing since sliced bread–but driver needs coverage here. Drivers could be as capricious as cats on hot tin roofs. However, diving into this financial jungle doesn’t mean you have to lose your marbles. Just buckle up and let us cruise along with Golden State Auto Rates.
Every motorist in California is required by law to carry liability insurance, at least. Why? People you run over won’t be as dead. This basic type of coverage will help pay for damages that you cause to other people-think of it as the appetizer, not so much full meal. With the myriad traffic circus of Los Angeles or San Francisco in mind, that extra coverage might make sense just for peace of mind. Because nobody wants to be left holding the bag after a fender-bender.
I suppose we might as well bite into premiums while we’re on the subject. Ever notice how they can vary like California weather? After all, it might be sunny one day and rainy the next one! Factors such as your driving history, age, and even where you park your car at night can nudge the numbers higher. Live in a touchy neighborhood? Expect to pay a higher rate. Drive around town with nary a hiccup from the law? This probably will earn you some discount.
A quirky little twist–did you know that low-mileage drivers may have an edge? This is California’s way of saying thanks for not causing those infamous traffic snarl-ups. And it’s not just the pencil-necked techies who crunch these numbers. Technology butted its way in with telematics–and you get discounts if your driving style resembles a snail on a lazy Sunday afternoon.
Distracted drivers are no joke, but here’s one for a tongue-in-cheek: Drive like you’re not making an audition for The Fast and the Furious comedy show. It just might save your life and money. Given the potential for earthquakes, wildfires, and an occasional mudslide to dance with Lady Fate, comprehensive coverage comes out sounding like a God-send.
One more nugget of wisdom? Don’t be ‘that guy’ who doesn’t know what’s what after an accident. Keeping essential information at your fingertips–your insurance card, policy number, even a throw-away camera (Yes, they still make those)–can make all the difference in the world. Got the picture? Good. California car insurance is intimidating, but with a little know-how, you’re in the driver’s seat.