Car insurance is one of those monthly expenses that everyone has to work into their budgets. If you drive a car around Los Angeles, having an active and comprehensive insurance policy can save you in more ways than one. A lot of insurance companies will try to lure you into their policies with clever marketing campaigns, but we urge LA drivers to take insurance shopping seriously.
Here is a list of things that every driver should consider when shopping for a car insurance policy:
- Research California’s minimum insurance requirements. California drivers are required to hold bodily liability coverage and property damage liability coverage.
- Review your own driving record. Do you have outstanding tickets or citations? This may influence what kind of policy you will be offered.
- Shop for insurance quotes. Insurance companies will take your information and provide you with a quote for policy coverage. This is an easy way to compare what they are offering you and for determining whether or not it can fit into your budget.
- Take care to review the policy carefully. Trust us, do not waive uninsured motorist coverage to save money on your policy. It isn’t legal, but there are thousands of drivers in California who have no insurance at all. If you are involved in an accident with an uninsured motorist or if someone flees the scene following a collision with you, you will still be covered under your own insurance policy, if you have uninsured motorist coverage.
We urge California drivers to take their insurance policies seriously and to understand how they are covered in the event that an accident occurs.