Californians have it rough when it comes to expenses, especially now as their economic climate darkens with IOUs issued from the government and high unemployment numbers. Some of them are looking for ways to cut back on expenses to make their budgets work, and quite a few are questioning how to decrease the cost to insure their vehicles. To go back and forth to work and the beach, all drivers must be driving an insured vehicle, and we’ll show you how to get it for a low price.

Low Price Insurance
Start looking for the lowest prices on auto insurance right here with us. At Online Auto Insurance, we have a tool that is available for all drivers that can save them time and money when they utilize it. You’ll notice a white box placed on almost every webpage of our site, especially on our homepage. It asks for a local zip code, and upon entering the zip code “Go” should be clicked on. This begins the process. A series of questions will need answering, and they all pertain to the driver and the vehicle. It will be helpful for the person entering in the information to have the vehicle’s VIN, year, make and model readily available to speed up the process.

Within our questions there will not be any inquisition about the person’s driver’s license or social security number. We view these as important personal information and do not need them to build a list of valid quotes. Not everyone is willing to give these numbers away through the Internet and they worry about their identity getting stolen. We do respect these concerns.

When the questions have been answered, there will be a page that provides the quotes in a list formation, with all of the information easy to read and side by side. The viewer can study out their list and make a choice to purchase a policy right there online. It’s simple and quick.

Solid Providers
When looking at the quote page that has been offered, it might be suggested that the viewer continue their search by researching the companies offering the low prices. This research should contain a few factors, such as the financial stability of the company, its customer service, and the services it offers to its clients. Researching these aspects may help the viewer make a more informed decision about who will carry their insurance.

Services offered by an insurer should be available to make the policyholder or future customer feel at ease when making contact with the company. These additional services might include a great website, one that is easy to navigate and holds a wealth of information and abilities. Customers should be able to find out information about their policy, pay a bill or file a claim online. There are companies who offer these sorts of things on just their sites, without the need to actually talk to a representative.

The representatives of a provider should also be full of knowledge about the company and the policy, as well as having manners towards the policyholder. While manners may seem out of date to some people, most people expect that they will be treated with respect when they are a paying customer. And it’s very unsettling when a representative knows little about how to answer a question when they work for the company and should know everything about the policy.

The financial stability of an insurer will dictate their ability to pay for claims that are made. When a company has no money, they will not be able to take care of those payments, and it’s usually too late once the customer finds this out. By checking the financial stability of a company, customers will know how risky it would be to rely on the company and know before they started whether or not it was vulnerable to failure.

Discounts On CA Insurance
There are ways to get discounts on California insurance, but the driver will need to qualify for them. Drivers who are attending high school or college may qualify for a discount on their premium rates by receiving good grades, or a certain grade point average. The insurer will dictate which age groups and grade point average will help the driver qualify. Another discount will be given when the driver attends and passes a specified driving instruction or defensive driving course. Both of these discounts are offered as a way to get or encourage drivers to use more safety and caution while driving. Other discounts are offered relating to age (senior citizen discounts) or vehicles (safety features). Asking a company about their offered discounts is the quickest way to get them set up and the premiums lowered.

State Requirements
California legislation requires that all drivers have some form of financial responsibility in place before they begin driving the public roads. A popular form of financial responsibility in California is purchasing a car insurance policy. The minimum amounts that must be purchased are $15,000 for bodily injury liability per person and $30,000 per accident, and $5,000 for property damage liability. Bodily injury liability is the amount the insurer will pay when the other driver is injured and that amount can be totaled together if there is more than one injured person in the other vehicle. The property damage liability will pay for the repair of the property damaged that is not owned by the policyholder.

In taking a look at these numbers, it’s not hard to see that $5,000 in property damage and $15,000 or $30,000 of bodily injury liability isn’t a large amount of money to pay for repairs. In fact, a major accident will cause damages that far exceed these amounts, especially the property damage amount. There are many cars on the road that have a higher cash value than $5,000, and the policyholder would be responsible to pay for the balance of repair bills after the insurance company has covered their part.

California insurance is not hard to find, but finding it for a low price may take some time. Using our suggestions and comparison tool will help every Californian find cheap auto insurance faster than not using it.