California is known as a pricey place to live, and car insurance rates are no different. The Golden State is one of the most expensive places to insure a vehicle, but drivers should not worry. By shopping around and knowing the options for Auto Insurance in Rancho Cucamonga CA, they can reduce their rates as much as possible.
State Requirements
At a minimum, California drivers must carry both bodily injury liability coverage and uninsured motorist coverage of $15,000 per person with $30,000 per accident minimum, property damage liability coverage of $5,000 minimum, and uninsured motorist property damage liability of $3,500 minimum. However, these minimum amounts may not be sufficient in an accident, so drivers should consider higher limits to adequately protect themselves in case of an accident.
Look for Discounts
One way drivers can lower their car insurance rates is to apply as many discounts as possible. Available discounts will vary with different insurance agency options, but most will offer multi-policy discounts. Drivers can opt to carry their renter’s or homeowner’s policies with the same company and receive discounts on both policies. Many insurance companies offer safe driving discounts to customers who have few or no points on their driving record. Students may be eligible for discounts for achieving specific academic standards. Speak with an insurance company, such as Barranca Insurance Services Inc. for more information about possible discounts.
Lowering Deductibles
Another option for reducing monthly insurance payments is to increase the plan deductible. A deductible is an amount the driver will have to pay out of pocket for a claim. The higher the deductible, the lower the insurance premium. However, be sure the deductible is an amount the driver can reasonably afford in case there is a claim.
Selecting Agencies
When looking to purchase Auto Insurance in Rancho Cucamonga CA, look at more than the price of the policy. The right agency will not try to oversell their customers and will instead look out for their well-being both in the case of an accident as well as with respecting their financial budgets. Customer service is of the utmost importance. Check for insurance complaints with the State to verify an agency does not have a poor reputation before purchasing insurance from them. A driver may find a better value with a slightly higher priced company. You can also connect them on Facebook.
