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Category Archives: California Insurance

If you need Cheap Auto Insurance in the State of California, has what you need.

Auto Insurance is an often a confusing and a difficult insurance product to understand. As I have outlined on our other Insure State Information Pages; the State of California is a Statutory Auto Insurance State. Meaning; if you own a registered Car in the State of California and want to drive that car on California’s roads, you must maintain a minimum amount of Financial Responsibility or Auto Insurance.

The following information will answer many questions regarding the rules, regulations and guild lines of the State of California’s Auto Insurance laws. If you have any questions on how to obtain multiple auto insurance quotes; call (800) 807-6327 and ask an agent.

California State Flag
California State Flag

Auto insurance is an agreement between the owner/driver and the auto insurance company which helps to pay for financial losses resulting from an auto accident or other type of claim against the owner/driver of the insured car.

To keep this agreement or insurance policy, you must remit a payment on a monthly basis. When your premium is paid, the insurance company will pay the expenses and liabilities as outlined in the coverage agreement of the auto insurance policy.

Having the correct amount of insurance coverage stop you from experiencing a large financial loss when you are involved in an auto accident. The agents of Insure Direct represent the top 30 major auto insurance carriers in the United States. When you call (800) 807-0762 and buy auto insurance from InsureDirect, you don’t need to worry about a Broker Fee – WE DON’T CHARGE BROKER FEES!

California’s Financial Responsibility Laws

As earlier outlined; The State of California requires all registered vehicle owners maintain a minimum amount of Financial Responsibility through the purchase of auto insurance. The minimum limits of auto liability insurance in California are as follows:

Bodily Injury Liability

  • $15,000 Per any one person, any one accident.
  • $30,000 for all persons in any one accident.

Property Damage Liability

  • $5,000 for any one accident.

There are four different options to satisfy the California State Financial Responsibility Law:

  1. Purchase an Auto Insurance Policy from Insure or any California licensed Property and Casualty Agent.
  2. Place $35,000 in Escrow with the California Department of Motor Vehicle;
  3. If you own a Fleet of 25 or more vehicles; you may obtain a certificate of self-insurance. These Certificates are issued by the California Department of Motor Vehicle.

Purchase a $35,000 Surety Bond from an insurance company licensed to do business in California.

Optional Auto Insurance Coverages

  • Uninsured / Underinsured Motorist: Provides Auto Insurance liability Coverage when the party at fault does not have the state required minimum liability coverage, or the minimum liability coverage is insufficient to cover the injuries sustained in the accident.Uninsured Motorist property damage covers possible reimbursement for damages your car sustains Bodily Injury and Property Damage

California Auto Insurance Carriers also offer these optional coverages

  • Medical Payments: Provides for the payment of medical and similar expenses without regard for liability.
  • Physical Damage (collision and comprehensive): Neither of these cover mechanical breakdown or normal wear and tear.Collision covers damage to your vehicle caused by collision with another vehicle or with any other object, regardless of fault.Collision insurance covers vehicle upset (overturn), but does not cover bodily injury or property damage liability.Comprehensive coverage covers damage to your car caused by reason other than collision, such as fire, theft, windstorm, flood, vandalism, etc.
  • Endorsements/Riders: Special equipment (i.e. after-market additions such as premium stereos, tires, and other misc. equipment), towing, and rental reimbursement.

If I allow my Auto Insurance to cancel and I drive without Financial Responsibility?

In the State of California, allowing your auto insurance policy to cancel and driving without insurance coverage is against the law. Failure to provide current proof of insurance when asked by a law enforcement officer may result in a fines or suspension of your California Driving Privileges.

This next section is very important for anyone who needs to Shop for Auto Insurance.

Under the State of California’s auto insurance premium rating law, all auto insurance carriers are permitted to base its own rates based on the carriers past losses and expenses. Each Auto Insurance Carrier loss experience is difference. Calling a number of difference brokers or agents for a rate comparison will potentially save you much more money. If you call Insure at (800) 807-0762, you can receive rates for multiple auto insurance carriers with one call. You will then be able to choose the company with the best price and coverage to meet your needs.

When you’re shopping for Auto Insurance, it’s vital to request as many quotes from different carriers as possible. The Auto Insurance Rates you could pay can be very different depending on the carrier. Comparing the prices of different carrier is always to your advantage. If you call Insure; you can receive quotes on numerous carriers and choose the rate which is right for you.

  • Rules regarding Broker’s Fees. Any broker’s fee must be agreed upon with the Auto Insurance Customer in advance.If you choose a broker to place your coverage, ask about the broker’s fees. These fees should be disclosed and agreed upon before finalizing the insurance transaction.If the policy is canceled for any reason including by the customer, the broker’s fee will not be refunded. wants your auto insurance business. We don’t charge Broker’s Fees.

Low Cost Car Insurance Rates For Hybrids

Low Cost Car Insurance Rates For Hybrids Post Date January 10, 2014 – With in excess of one million cars sold, Toyota Motor company is the number one (1) top-seller for hybrid electric motor car. Not only does the Toyota Prius hold the top spot for top selling car, it holds the top spot for low cost car insurance rates.

Low Cost Car Insurance Rates For Prius and most Hybrids are found at

Since Toyoya Prius holds the number 1 position of the United States a hybrid top-seller, the National Insurance Crime Bureau (NCIB) investigated the Prius’s hybrid car’s theft history. NCIB’s report showed both the Prius low theft rates and the low cost car insurance rates.  The report studied all Prius thefts that were reported to the National Crime Information Center (NCIC) in the last 12 years. The first case of Toyota Prius theft was recorded on September 4, 2001. The low cost car insurance rates for the Prius reduced over many years of low theft statistic.

The data shows despite the Toyota Pius’s growing popularity in the US Car Market, the theft rate has maintained to be exceptionally low and that it even has a higher theft recovery rate. This is the primary reason why the Prius low cost car insurance rates.

Since Sept. 4, 2000 until June 30, 2012, there have been nearly 2500 Toyota Prius Automobiles have been in the stolen. Since Pennsylvania is the third largest auto insurance market in the United States. It’s also the state with the third highest rate of auto thefts.  The top spot is held by California  then Florida. Northern New Jersey near the New York Bridges are also high volume theft areas Statistically, the Toyota Prius has the lowest theft rates among stolen vehicles in all these states.

Knowing a vehicle’s theft rate is one factor that can help you in shopping for automobiles and eventually for shopping auto insurance. Car Insurance companies use risk factors in rating one’s auto insurance rates, and one of the risk they are looking into is the vehicle’s susceptibility to theft. With that knowledge, provides low cost car insurance rates for the Toyota Prius and most hybrids.

Identity Theft: Online and On The Street

Post Date November 21, 2012 –  Identity theft is the type crime where the perpetrators have become very creative in their craft to prey on unsuspecting victims. If you have been a regular reader of  my Blog, you know I have broached this subject in the past.  Beyond being taken advantage by unlicensed auto insurance… Continue Reading

Auto Insurance Agent Steals From Hollywood Celebs

Post Date November 16, 2012 – Here we go again!  Once again a thieving auto insurance agent which makes me sick.  With all the new auto insurance new auto insurance websites on the world wide web, Insurance customers should be concerned where they buy their insurance policies.  Regardless if it’s for homeowners or or any… Continue Reading

Allstate Auto Insurance “Drive-Wise” Popularity Growing

Post Date October 13, 2012 –  Allstate Auto Insurance sells one of the most popular Car Insurance Products in the United States.  Although you may not be aware, Allstate auto insurance owns a number of other popular car insurance companies. Both myself and my agents represent  2 Allstate owned insurance carriers.  As hundreds of our… Continue Reading

Electronic Proof Of Auto Insurance Is The Future

Post Date September 10, 2012 –As Cell and Smartphone technology becomes more and more useful for both business and family use; it’s quite possible a Smartphone will become more important than family car. Smartphones do a number of amazing things beside making telephone calls.   The list is long and growing.  Your smartphone is an… Continue Reading

Ballot Initiative On California Auto Insurance Rates Set For November 2012

Ballot Initiative On California Auto Insurance Rates Set For November 2012

Post Date February 15, 2012 – A California insurance ballot initiative targeting auto insurance companies seeks approval from state insurance regulators before adjusting auto insurance rates. California Residents will also vote to allow auto insurance companies offer both discounts and surcharges to policyholders based on their life style history. This will require automobile insurance companies to seek prior approval from state regulators before adjusting their  automobile insurance… Continue Reading

New California Cheap Auto Insurance Rate Discount Sought

New California Cheap Auto Insurance Rate Discount Sought

Post Date February 13, 2012 – The American Agents Alliance, an organization of independent auto insurance agents and brokers, has collected over half a million signatures from  California car insurance buyers to sponsor an act that will allow consumers to shop for auto insurance coverage from other car insurance companies with their loyalty discounts in tact. The proposal is quite… Continue Reading

Auto Insurance Laws Changes For California’s Drivers

Auto Insurance Laws Changes For California’s Drivers

Tuesday’s Post 1.3.12 –  California’s Auto Insurance laws may change the eligibility for safe driver discounts for that states drivers. Changes to car insurance rules will make it easier for carriers to find out if a driver’s actions in an accident put them at primary fault. The changes, made earlier in the week allow budget… Continue Reading

Farmers President and COO Named as member of the Zurich Financial Services Group Executive Committee

Farmers President and COO Named as member of the Zurich Financial Services Group Executive Committee

Tuesday’s Post 12.20.11 –  On January 1, 2012, Jeff Dailey will become the newest member of the Group Executive Committee of Zürich Financial Services and CEO of Farmers Group, Inc. He will report to Zürich’s CEO,  Martin Senn. Although a promotion of this magnitude would mean a move to Zürich’s Headquarters in Europe, Dailey will continue working from his office in Los Angeles, CA where… Continue Reading

Auto Insurance Companies Help Bail Out California’s Failing Economy

Auto Insurance Companies Help Bail Out California’s Failing Economy

Wednesday’s Post 12/7/11 – According to a report released by the Insurance Information Institute (III), the insurance industry is a major player and contributor to California’s failing economy. In 2009, property and casualty insurers contributed $34.7 billion to the states Gross State Product. This was almost a 2 percent contribution to the states nearly two… Continue Reading