Car Insurance in California

Car Insurance in California
Getting the right car insurance starts with knowing your state insurance requirements. In California, you're legally required to have the car insurance coverage at the levels listed in the chart below. Once you're familiar with the basics, take a look at the common coverage levels of Allstate® policyholders in California. It's a great way to get a sense of what others are choosing in your area.

Your agent can help you understand the different coverage types available in your state. Then you can decide what limits and deductibles best fit your needs. As your life changes, your car insurance should, too. Your agent will be there to discuss your options and help you find ways to save on your premium. Allstate also provides you with helpful information so you can better understand car insurance and rest easy knowing you're protected.


COVERAGE TYPE
CALIFORNIA REQUIREMENTS
COMMON COVERAGE LEVELS IN CALIFORNIA
Bodily Injury Liability
Covers expenses related to the injury or death of another driver or a pedestrian when an accident is your fault.
$15,000 limit per person/ $30,000 limit per accident
$100,000 limit per person/$300,000 limit per accident
Property Damage Liability
Covers expenses related to the damage of another person's property—like vehicles, homes, buildings and other structures—when an accident is your fault.
$5,000 limit
$100,000 limit
Uninsured Motorist
Covers medical expenses if you're in an accident, the other driver is at fault and doesn't have any insurance.
Not required
Bodily Injury: $100,000 limit per person/$300,000 limit per accident

Property Damage: $5,000
Underinsured Motorist
Covers medical expenses if you're in an accident, the other driver is at fault and doesn't have enough insurance.
Grouped with uninsured motorist coverage
Not commonly added
Medical Expenses
If you and/or your passengers are hurt in an accident, this can cover your medical or funeral expenses.
Not required
$5,000 limit
Collision
Covers expenses to repair or replace your vehicle that's been damaged in an accident.
Not required
$500 deductible
Comprehensive
Covers expenses to repair or replace your vehicle that's been damaged in situations like thefts or storms.
Not required
$250 deductible


An agent is ready to explain your coverage options so you can pick the coverage levels, limits and deductibles that make the most sense for you.

Find an agent today or get an online car insurance quote.

NY Domestic Violence Notice
State chart requirements provided for informational purposes only. State minimums and required coverages vary by state and may change from time to time. Check with your state for up-to-date information or if you have questions about current state minimums. Coverage limits and deductibles identified as "most common" in the chart above are the most popular limits and deductibles selected by Allstate policyholders in California. All coverages are subject to policy terms, conditions and state availability.


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Best insurance companies: 2014 customer satisfaction report

USAA, American General and Kaiser Permanente earned the highest scores from customers in their respective categories in Insure.com’s annual customer satisfaction study. Use the tool at the right to access complete scores and rankings.

Overall satisfaction with insurers’ customer service went up for everyone except auto insurers, where satisfaction levels held steady. And while satisfaction with life insurers went up, they still dropped below health insurers this year for customer service satisfaction.

We asked more than 5,600 insurance customers nationwide to rate their satisfaction with their auto, home, health and life insurance companies. We collected ratings for 20 large companies for four types of insurance. Use the tool at the right find detailed customer satisfaction scores.

Here are percentages of customers saying they are “completely” or “somewhat” satisfied with their insurers’ customer service:

• Auto insurance customers: 80 percent (2012 results: 80 ercent).
• Home insurance customers: 76 percent (2012 results: 73 percent).
• Life insurance customers:  67 percent (2012 results: 63 percent).
• Health insurance customers: 71 percent (2012 results: 61 percent).

Winners of Insure.com's 2013 People's Choice Award (Overall scores out of 100)
Auto insurance
USAA	96.0
Erie Insurance	91.7
Auto-Owners Insurance	88.1
Complete car insurance rankings
Home insurance
USAA	96.0
Amica Mutual	90.4
Country Insurance	90.2
Complete home insurance rankings
Life insurance
American General	83.2
Jackson National	80.6
Allstate	80.5
Complete life insurance rankings
Health insurance
Kaiser Permanente	83.6
BCBS of Illinois	83.3
Humana	83.1
Complete health insurance rankings

For overall scores, companies were judged on five measurements:

• Customer service
• Claims satisfaction
• Value for price paid
• Percent who plan to renew
• Percent who would recommend the company

       (Life insurance scores did not include claims or renewal questions.)

Auto insurance winners

Among auto insurers, USAA, Erie Insurance and Auto-Owners Insurance scored the highest and earn Insure.com’s “People’s Choice Award 2013.”

USAA, which sells only to members of the military and their families, had a resounding victory, scoring five stars for customer service and claims in both the auto and home insurance categories – the only company to do so.

Home insurance winners

Home insurance customers gave the highest scores to USAA, Amica Mutual and Country Insurance. All three were propelled to the top with the help of five-star ratings for claims satisfaction. Amica stumbled slightly on price satisfaction but was able to gain a footing to No. 2 with strong scores in the other measurements.

Life insurance winners

American General, Jackson National and Allstate went to head to head for the best life insurance scores, but ultimately American General edged out its competition due to the high percentage of its customers who say they would recommend the company.

Health insurance winners

Among heath insurers, Kaiser Permanente and BCBS of Illinois were able to snag the top two spots thanks for strong showings for claims satisfaction and renewal scores. Humana earns a People’s Choice Award at No. 3 with the help of high scores for renewal.

The moment of truth

Ken Rosen, senior vice president of claims for USAA, which ranks No. 1 for both auto and home insurers, says “the secret sauce is an engaged workforce.” He says USAA employees are singularly focused on facilitating the financial success of the company’s military members.

Rosen says insurers are judged on “that moment of truth,” when the customer has had a car wreck or house damage.

“When you talk about the mission of USAA, it resonates with everyone” in the company, says Rosen. “Everything is focused on the members.”

All levels of employees at USAA are encouraged to speak up when they spot a problem and to submit ideas for improvement. For example, an employee originally suggested an accident-animation function for USAA’s mobile app. It’s now part of the app and allows members to reconstruct an accident in animation and submit it with their claims.

USAA also conducts random surveys of members after they have been on a call with a representative and after they’ve had a claim. The insurer also conducts customer focus groups to get feedback on possible new products.

Monitoring and tweaking

American General, ranked No. 1 among life insurance companies, also relies on its staff to follow through on superior customer service. Stephen Kennedy, senior vice president of producer services, says, “We spend the time understanding why customers call and then ensuring we have the right people available to assist them.”

American General home office staff are trained to “take ownership, be responsive and proactive, be nice (but firm when necessary) and follow through,” says Kennedy.

The insurer utilizes surveys, real-time monitoring of customer feedback, call observation and random call backs in order to monitor and tweak its processes and training.

The price shopper

Price was cited by 42 percent survey respondents as the No. 1 most important factor in auto insurance-buying decisions; 21 percent think customer service is the most important factor. Satisfaction with claims, often a pain point, came in as third most important, with 15 percent. Knowing how many customers would recommend the company or renew their policies was chosen as most important by 11 percent each.

Among customers who say they won’t be renewing their auto or home insurance policies with their current company, price was the No. 1 reason.

Among people who say they won’t renew with their current car insurance company:

• 62 percent think their price is too high.
• 12 percent think other companies are better.
• 10 percent cite poor customer service.
• 9 percent have “other” reasons.
• 8 percent point to dissatisfaction with claims.

In terms of actual satisfaction, however, shopping by price doesn’t lead to the happiest customers. Among people who use the auto insurer their parents had, 57 percent gave a 5-star rating for customer service. Among other types of insurance:

• Customers who chose a home insurance company based on reputation were most likely (57 percent) to give 5 stars.
• Among life insurance customers, those most likely to give 5 stars (48 percent) chose their company based on a TV commercial.
• Among health insurance customers, those most satisfied were those who picked based on company reputation or a recommendation from a friend (46 percent each giving 5 stars). The least satisfied were those who have a health plan chosen by their employer.

 The fine print

You’d be hard-pressed to find an insurance expert who doesn’t recommend that you read and understand your insurance policies. Yet our 2013 survey suggests that ignorance is bliss.

Among consumers who made car insurance claims in the last three years and say they haven’t read any of their auto policy, 61 percent were nonetheless “completely satisfied” with the claims process. That’s not too far apart from policyholders who made claims and also say they’ve read all of their auto policy – 69 percent were “completely satisfied” with their claims.

O, help me

We also asked people who they would most want as their insurance agent from a celebrity list. Oprah Winfrey slightly edged out Donald Trump, suggesting most consumers either hope for an “ah ha!’ moment with their insurance policies or want a pit bull to find them the best prices. Very few wanted Kim Kardashian trying to explain their insurance policies.

• Oprah Winfrey: 33 percent.
• Donald Trump: 31 percent.
• Barbara Walters: 17 percent.
• Al Roker: 15 percent
• Kim Kardashian: 5 percent.
  
  
  
  Source: http://www.insure.com/best-insurance-companies.html

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Cheap Car Insurance for Teens

Everyone knows car insurance rates are typically high for teenage drivers. Statistics clearly show that teens are the demographic most likely to have automobile accidents and break traffic laws, such as speed limits. While it may not seem fair to assume that all teens will fall into these stereotypes, insurance companies know that teen drivers are riskier, which translates to higher policy premiums. However, there are some things a teen can do to qualify for more affordable insurance options:

Increase driver IQ.

Teen drivers who participate in driver's education courses or defensive driving classes can often get their rates lowered. The more informed and educated teens can become about driving, the less risky most insurance companies will consider them to be.

Excel in school.

Statistics show that teens who perform better in school have fewer car accidents and are less likely to get a speeding ticket. Getting good grades shows that teens are responsible, and that is likely to mean they’re equally responsible behind the wheel.

Choose a vehicle carefully.

Insurance companies consider the type of car a teen will be driving when determining coverage rates. In the minds of insurers, a teen driving a sporty car is more likely to speed, drive recklessly, and have an auto accident. Opting for a sensible vehicle instead of a fast, sporty one can help a teen qualify for cheaper car insurance. Flashy vehicles are also more likely to be stolen, which makes them more expensive to insure.

Options for Parents

While many factors for getting cheap car insurance are up to the teen driver, there are some ways parents can influence premium pricing as well:

Bundle and save.

Most insurance companies will offer multi-policy discounts. Bundling home insurance, auto insurance, and personal property insurance with the same insurer can often result in a discount that helps absorb the extra cost of adding a teen driver to a policy.

Lecture teens about safe driving.

Teens are already more likely to be in a wreck because they lack experience behind the wheel. Additional distractions while driving only increase that risk. Talk with teens about how cell phones, rowdy passengers and other distractions can increase their likelihood of having an accident. Help them understand the horrible implications auto accidents can cause, including damage to property, loss of life, and injury or death to others or themselves.

Don't Skimp on Coverage

Remember that there's a difference between cheap car insurance and affordable car insurance. “Bargain” policies can sometimes skimp on coverage, leaving a teen and his or her family with an unexpected financial burden in the event of an accident. Finding quality, comprehensive coverage at an affordable rate is the goal. Teenagers can increase their likelihood of attaining a quality, affordable policy by researching different insurers and taking steps to be a safer driver.

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The Best Expert Tips For Finding Cheap Car Insurance

Car Insurance

Searching for a car insurance can be quite complicated, but getting an affordable one that provides all the benefits you need can be even much more challenging. Therefore, we recommend that it is necessary and important for people looking for a car insurance to shop around and have a thorough consideration before choosing any car insurance. 

There are many brilliant way to getting cheap car insurance that you can follow easily such as compare rates and find out what types of coverage each company offers. However, this process can be unwisely wasted time if you spend too much hours visit each company’s website and see whether they offer coverage in your area and your situation or not. That’s why we’re here and lead you to the right direction. Instead of spending all of your time doing research, why not use a comparison site?

Tips for finding an affordable car insurance:

 

If you are the one looking for cheap car insurance, a website can directly provide you quotes from multiple companies. This choice obviously saves your money and time. All you need to do is enter your personal information, including zip code. Because when you provide the zip code, you will get more accurate information and local quotes based on where you live. The site uses your information to help find out the multiple quotes, then find the best deal and save much more money.

Tips for getting cheap car insurance:

No one wants to waste their money, they are always looking for possible ways to earn and save money as much as they can. But when they need to buy a car insurance, they seem not to think over it. Instead of shopping around to find a better deal, people think the current rate they have is the only one they can get. Hence, if you really look for cheap CI, take some time to choose the best CI providers.
But before you do that, the following tips is what you cannot skip in order to getting cheap car insurance, some things you can do to get the best rates.

I have a friend Kate working for a major U.S. insurance company. I recently asked her for tips to help people find the way to get affordable auto insurance. I expected maybe a few quick ideas, but she went above-and-beyond with the following detailed list. If you own a car, you should read these tips.

Note that every insurance company is different — not all of these ideas work everywhere. The first thing you can do to save money on auto insurance is to self-insure as much as you can afford. Do this in the following ways:

1. Take a safe driver class

Kate said that many people didn’t notice that they can get a discount if you take a safe driver course. First-time drivers who take driver's education classes often get a better rate on their car insurance than those who learn by other methods.
You can also take a defensive driving course even if you have had your license for years. However, not every insurance company offers this discount, it can be worth checking into before you look at rates.

2. Consider the car you drive

Considering insurance rates before you buy a car could be beneficial because you probably won’t sell your car just to get cheaper car insurance. Some vehicles are deemed safer for driving or have less damage at impact, which is reflected in the rates you are quoted for an insurance policy. For instance, if you drive a small sports car or mini-sedan, you might actually see your rates drop if you upgrade to an SUV or truck. Even if you don't want to switch types of vehicles, you can research to find the safest models in your desired class.

3. Look at your credit history

Before you go shopping for cheap car insurance, take a look at your credit. Pull your credit report from all three major credit reporting agencies and check it over carefully for errors. Good credit can reduce the rates you are quoted and save you money on your premiums. Many car insurance companies use your credit history as a factor in the rates they quote, so you want to make sure it is the best it can be.

4. Decide what insurance you need

While you are required to have certain types of insurance by law, you have options for coverage. For instance, if you drive an older car that is paid off and wouldn't cost much to replace, you may decide you don't need comprehensive insurance. On the other hand, if you live near a dangerous intersection or an area where accidents happen a lot, you may want more coverage than what is required. Determine your needs before you go insurance shopping to make sure you get the right coverage.

Shopping for cheap car insurance can result in hundreds of dollars in savings over time. But make sure you know what you need before you start looking for quotes. It's easy to get a great deal if you know a few steps to take before you sign up for a new policy. Good luck!

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