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Alhambra Car Insurance

Chances are if you live in Alhambra that you frequently drive to Los Angeles. Whether for work or fun, you are dealing with more than just your local neighborhoods' parking and traffic situations.

Driving around major cities, especially Los Angeles, increases the likelihood of an accident, damage or break-in to your car. Additionally, this may also increase the chance of injuries.

The major reason for an increase in accidents in cities is just that there are more people driving within an area. The denser driving conditions naturally increase the proportion of accidents.

Alhambra is in its own right a city, which implies bigger and more traffic and congestion on roadways. Again, that increases chances of accidents. The good news in Alhambra, though, is that auto theft rates dropped significantly between the year 2000 and 2012, according to statistics on Alhambra.

As the area has become safer, income and the home prices have increased dramatically. That means that people have the money to buy higher ticket vehicles and have newer cars in general. That means if you get into an accident, it is likely that the cost of damages is going to be much higher.

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In general, repairs on luxury cars are more costly because typically the parts may be more high-tech, need to be imported and fewer mechanics specialize in them. Add onto that the cost of newer cars and their parts and accidents are expensive.

If you need to file an insurance claim, keep in mind that you have rights on where to take your car to be fixed. The Department of Insurance in California has a full page on auto body repair.

Buying Enough Insurance

Auto insurance is required in every single state throughout the nation. Additionally, the individual states create minimum insurance rules to make sure that everyone is insured to a certain extent. The only problem with the minimum requirements is that they do not keep pace with inflation or with the cost of car, repairs or medical care to treat injuries resulting from car accidents.

In Alhambra in particular, pay attention to the insurance recommendations that agents and quotes provide for you for the area. The reason is that you need to be properly insured, especially where cars cost more money. The other aspect of the equation is that maybe you too have more money than you had in 2000 and need to protect your assets. Insurance provides a layer of financial protection.

The California Department of Motor Vehicles lists out all of the minimum insurance requirements.
Minimum requirements:

  1. 15,000 dollars individual for injury or death.
  2. 30,000 dollars to multiple people per accident for injury or death.
  3. 5,000 for property damage.

Vehicles are heavy and whether they are moving fast or slow, they can do a lot of harm to people. As you might imagine, 15,000 per person for injuries will probably not cover any medical bills other than one day in the hospital. You probably would end up sued for damages if you only bought the minimum.

Tack on the fact that there might be four people per car and three other vehicles involved in an accident that you cause, and you have a hefty legal bill to pay. In addition, you would be responsible for resulting damages and have to endure the stress of a long and drawn out legal battle.

Instead, people buy as much insurance as they need. In general, buy sufficiently to cover your assets. If you do not have much in the way of assets, it pays to have extra insurance coverage to right any wrongs you may cause to others. If other people die because you made a mistake behind the wheel, the least you could do is have good insurance to pay out for them to have a proper burial.

Actually, even beyond the moral compass argument, there are excellent reasons to make sure you have plenty of liability insurance coverage for yourself too. Insurance rates are up four percent just from 2013 to 2014 alone.

Combine that with a significant population of still underemployed and unemployed people and you may find a lot of people ducking out of insurance coverage altogether. Or, they are buying the bare minimum coverage, which leaves you in a lurch if you sustain injuries in an accident where they are at fault.

Establishing Liability Coverage in California

California is satisfied as long as you have proof that you can financially provide in cases of liability, or injuries and death to other people. Proof comes by buying liability insurance from a licensed insurance agent or through other ways.

Motor vehicle liability insurance policy.

  1. Liability insurance
  2. 35,000 dollar cash deposit at the Department of Motor Vehicles
  3. Surety bond for 35,000 dollars from California-licensed bond company
  4. Self-insurance certificate given the blessing from California DMV

Completing the Insurance Puzzle

There is a good deal more to know beyond the actual injuries you may sustain or the injuries you may cause others. Such options for coverage include the car and anything that might happen specifically to your vehicles.

Many people confuse this first one, which is comprehensive coverage. They often believe it means that they are covered fully against anything. Comprehensive refers only to damages that are not caused by a collision. It might be a tree branch hitting the car, or an attempted theft that makes it impossible to close your passenger side door.

The other type of coverage, which again, is not included in comprehensive, is collision coverage. Collision insurance coverage is specifically in place to protect you against damages to your care caused by an accident.

Many car insurance carriers provide rental car coverage for use if you are in an accident and do not have a backup car. Read carefully to make sure that the rental car coverage would provide sufficient money that you would be able to afford a decent enough rental car.

If you are concerned about getting entangled with drivers who have no insurance or too little insurance, called Uninsured/Underinsured motorist coverage, you are smart. Even during brighter economic times, The California Department of Insurance California drivers wrote that 14 percent of drivers had no car insurance. Uninsured/underinsured coverage covers you against damages and injuries caused by one of these drivers.

Comparing Car Insurance Quotes

When buying car insurance, there are many ways to handle the process. Most of all, you need the following:

  1. A reliable car insurance carrier who has the financial solvency to pay claims
  2. Understand ways to lower premiums without foregoing coverage that will pay for damages and injuries, beyond the legal limits.

Lowering Auto Insurance Costs

The magic of car insurance quotes is that you can run the quotes as many times as you like. Try out higher deductibles. Be forewarned that every time you need your insurance, you will have to come up with the money for the deductible before your insurance will pay out a claim.

If you have teenage drivers, rates will go up considerably. What many parents do not try is comparing various quotes. For instance, while you might pay the policy premiums, you might be better off buying your daughter or son their own policy. That is sometimes less costly than tacking them onto your family policy.

Look for discounts for your young high-school-aged drivers who maintain A and Bs on their report cards. Try buying multiple insurance policies from the same agency to get a multi-line discount.

Of course, there are some facts you cannot change. For instance, where you park the car. Unless, of course, you finally clean out your garage so you can park your car in it overnight. Parking off street in a secured garage lowers insurance rates.

Living in a safer neighborhood, where there are few break-ins also keeps insurance rates lower. Having an alarm keeps rates a little lower also. Having a good credit score works in your favor too.

Buying car insurance is a matter of being a wise consumer who balances quality and value. Insure sufficiently to protect your assets if you cause an accident involving injuries, damage and death.

In addition, make sure you and your family are protected against the injuries an uninsured driver may cause you. Always shop around to find the most favorable quote. Use our FREE search tool below!

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