Cheapest California Car Insurance
When you are looking for the cheapest California car insurance you need to be careful and make sure you are dealing with a legitimate company. So many times we look for the cheapest price, but you need to make the sure the company has a good reputation for pay claiming and providing excellent customer service. You will want a company that answers their phones and provides honest service.
Another important aspect you must remember is that some companies you find in your local neighborhood might have a sign up that says “insurance $19 a month”. This is true only to a point because yes they can get your payment to $19 a month, but you will be paying the price up front instead of monthly. For example if your insurance cost $500 over a 6 month period then they would make you pay approximately $386 as a down payment to start the insurance. Yes, you get to pay only $19 a month, but you have to pay a large portion up front which is a common trick. You think you have really low monthly payments which you do, but you just had to pay the majority up front. A lot of times with these low monthly payment plans there is a really high lapse rate and people usually cancel after 3-4 months so the insurance broker wants to get as much money up front as possible.
So be careful when you are shopping for insurance and don’t focus only on the monthly cost, but look at what the cost is for the entire term. Get the price for each company over a 6-12 month period so you can see exactly which company offers the best rates. Also make sure to deal with honest insurance brokers because a lot of them will push the companies that offer the highest commissions which isn’t an ethical practice as it isn’t looking out for the consumer.
So when you are hunting for the cheapest California car insurance it is best to shop around and not focus on the monthly payment only. You need to consider the down payment price and also the customer service. Make sure to do some shopping online as you can usually find a better deal because there are more company to choose from. Also if you can afford it go with more insurance than is required by law. The state minimums are really low and don’t offer proper protection if you hit someone’s car and it does major damage. If you get the bare minimum then it will end up costing you a lot of money out of pocket when an accident occurs.
