Find The Best Auto Insurance In Los Angeles, California

Do you want to find the best Auto Insurance in Los Angles, California? It is not as simple as you think when you want to look for a good auto insurance quotes, especially when you do not know how to go about and most importantly, where to start from? Hopefully this article will give you some insights and eventually, help you to find a good auto insurance quote in the Los Angeles area.

The first thing that most people take note of when looking for good auto insurance is looking at the cost price and premium of the car insurance policy. Although it is one of the factors to be consider, it is very important that you don't emphasize too much on the cost and premium. There are far more things to consider than that, most importantly, you need to to make sure that you choose the right coverage for your Los Angles auto insurance, rather than just buying cheap auto insurance.

There are many different types of auto insurance policy that provide different level of auto coverage, that’s why choosing the right coverage and policy can make a huge difference in the quality and cost of your premium.

It is advisable that you need to look at various area and do your homework by finding out more about the various types of auto insurance and their coverage. With the advance of the internet technology, you can easily find out detailed information about the auto insurance from the web and decide on the types of coverage you need. You may also eliminate duplicate coverage that you already have in your life or health insurance and all these will help save you a considerable amount of money.

If you are buying auto insurance online or through agency, it will be good that you choose a company that has an office in Los Angeles, California. By choosing a company that has local present, you have someone to turn to if you have any issue or concern regarding your auto insurance. You will not want to rely solely on calling an 800 number, waiting on hold and then speak to a representative that may not be able to assist you fast.

So, when you are looking for Los Angeles auto insurance, do understand the importance of knowing what types of auto coverage you are looking at and which company to choose to work with. Cost and premium may be a concern, but, the other factors are far more important.

Anti-Theft Devices For Cars

In our previous article, we talked about how auto theft can cost dearly for you when it comes to auto insurance, that’s why, most of the cars have some forms of anti-theft devices in it to make it more safe, secure and free from thieves or robbers.

Of course, even with the best anti-theft devices installed won’t guarantee that your vehicle will be safe, because human error may cause it to be stolen as well. You need to be cautious and alert whenever you leave your car; where you park your car, is your key with you, is the alarm on and some other issues that are being discussed in the previous article. All these may look trivial to you now, but, it may cost you dearly.



There are many types of anti-theft devices on the market;

- Fuel Kill Switch. The valve that halts the fuel supply is closed.
- Visible Steering Wheel Lock. Prevents the steering wheel from being turned.
- Floorboard Locks. Devices that disable the gas or break pedal.
- Gearshift Locks. Disables shifting of the transmission.
- Tire/Wheel Locks. Prevents the vehicle from moving.
- Electronics Security Systems. Alarms sound warnings when doors are opened.
- Sensors. Alarms sound warnings when glass breakage, motion, tampering and towing.
- Vehicle Tracking. Some form of transmission used to track the vehicle location.


The above are just some examples of anti-theft devices, there are many more different types of devices on the market.


Ultimately, all these devices serves the same purpose, that is , to deter possible theft of our car. It is entirely up to you what sorts of devices you want to purchase and installed on your car.



You might also be interested to read more about rent car information and non-owned auto insurance.


For more assistance on car insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Park Your Car - A Simple Guide

Do you know how hard your pocket will be hit if your car is being stolen? Most auto insurance coverage will not be able to fully cover you for your car loss and not to mention any valuables you leave inside the car.

So, to avoid being a victim of auto theft, it is your responsibility to ensure that your car is properly secured when you park your car. There are some simple rules that you should followed when you park your car:-

1. Take your keys. If you need to walk away from your car, always remember to take the keys with you; don’t leave it in the ignition.



2. Lock your car. It is simply unbelievable, but, there are people who just forget to lock the car when they park it.



3. Closed all car windows. Check that all windows are completely closed. One single slip and your car might be gone.



4. Park you car in a well-lighted area. It is important as it will helps to deter any possible intruder.



5. Don’t leave anything in plain sight. Some people like to leave their laptop, bags, briefcase or documents on the car seats which are visible to everyone. Keep them away.



6. Park your car in Garage. If you have a garage, park your car there instead of leaving it outside. It will definitely be more secure.



7. Never leave your car running. Some drivers like to leave their car running to warm it up on morning, or leave it on while walking into convenience stores, ATM, petrol stations. If you are going to walk away from your car, don’t leave it running.



8. Avoid parking your car long term. If you are going away for holiday, leave your car with your friend or relative. People will notice it if it is being parked for a long period and it might invite auto thieves.



9. Park with your wheels steered toward the curb. If you need to park your car along the street, it would be would that you park in between other cars and with your wheels steered toward the curb, it will be hard for thief to two away your car.

It is always good to practice caution where parking car is concern. At the end of the day, losing your car will be a very troublesome and complicated matter and it will also be more difficult to get a cheap car insurance quote after that.


You might also be interested to read more about rent car information and non-owned auto insurance.


For more assistance on car insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Are You Suitable To Drive

If you are paying a much higher auto insurance premium than other fellow drivers, do you know why? Your insurer won’t simply give you a high quote for no reason. You might need to sit down with them and try to find out what is the cause that you are not able to get a cheap auto insurance quote.

One of the reasons might be because you have poor driving record or was at fault for causing car accident. Either way, you will get penalize and the cost that you paid for your auto insurance will be higher.

So, you need to be extra careful when you drive.


Most people still insist on driving their car when they are not in a good condition to do so. We have come across people who drive when they are obviously drunk, sleepy, drowsy or sick and that is a very irresponsible act. They are not only exposing themselves to danger, but, also fellow road users.

When you are not in a good shape to drive due to whatever reason, don’t do so. It is because driving need full focus and concentration and if you are drunk, sleepy or sick, you won’t be able to concentrate at all and that might easily lead to a serious car accident.


So, do you know when you are not in a good condition to drive? One very clear indication of that is when you feel very difficult to keep your eyes open. Car accident can happens within seconds, if your eyes are closed for a second, you never know what is going to happen. The next moment, you may end up crashing into other vehicles.


Now, if you are driving halfway and feel sleepy or losing your concentration, it is best to slow down and stop in a safe parking space. Take a short rest before assessing yourself if you are able to continue driving. If you are not able to, don’t do so. Call for assistance. Get someone, either friends or family member to come and pick you up.


It is better to be safe than sorry. At the end of the day, it will also help you to get a cheap car insurance quote and your premium cost will be lower.


You might also be interested to read more about rent car information and non-owned auto insurance.


For more assistance on car insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Best of Car Insurance Assist - May 2008

It has been quite sometimes since a new post appeared on Car Insurance Assist and now is already June. Times really flies. As like what we used to do at every beginning of the month, we will be posting a review for May. This post will be similar to what we did in March and April, we will be looking at some of the articles posted during the past month. So, here you go, for the car insurance review of May.

If you are the visiting this blog, car insurance assist, for the first time, you might want to read more about what this blog is all about and what how this blog can help you.

If you are looking to buy a car in Los Angeles, you will be interested to read about buy los angeles auto insurance. Of course, not forgetting the fact that buying car insurance in los angeles won't be cheap, you will be pretty concerned on how to cut the rates.

If you feel that the cost of buying car in Los Angeles is too high, why not consider to rent a car and at the same time, get a non-owned auto insurance, that is a good alternative, isn't it?

And we just wanted to remind you that in any emergency, do not hesitate to call for assistance on car insurance and get assistant on all related matters.

And lastly, thank you to everyone who visit this site. Thanks for taking the time to read this blog, car insurance assist - we appreciate it


Till then.


BB's site is at

Los Angeles Auto Insurance

All Non-Owned Auto Liability Insurance

Non-Owned Auto Liability Insurance

Non-Owned Auto Insurance

Buy Non-Owned Car Insurance

We have written many Non-Owned Car Insurance related articles on Car Insurance Assist. We talked about non-owned auto insurance, non-owned auto liability insurance, non-owned car insurance and buying non-owned car insurance.

If you read through our past articles, you have discuss about the advantages of buying a non-owned auto insurance, whether for personal usage when you rent a car or for business purpose.

It is important that you know that without non-owned auto insurance, at any time you need to rent a car or utilize a car that don't belong to your company for business needs, there is always a risk involved and you need to have some kind of coverage / protection that help to cover any claimed cost arise out of the accident.

Many people don't foresee that there is always a danger when driving on the road. Auto insurance is not a luxury, it is a necessity. It protects you and fellow road users in the events of any accident that causes damages and injury in the way of paying for the cost of repair and medical claim. Without the auto insurance, it can be a very huge burden to driver.

Non-owned auto liability insurance policy also exists for it's purpose. For those people who don't own a car and need to rent a car for whatever purpose, it helps to protect the coverage as well. So, do check out all these auto insurance and find out the one that suit yous.

For more assistance on others auto insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Cut Los Angeles Auto Insurance Rates

We all know that it is required by law to buy auto insurance in United States, whether you are in Los Angeles, New York or Colorado. However, there are many ways you can go around to get cheap auto insurance rate. You don’t need to pay sky high prices for your auto insurance.

If you read our articles on the best and worst states to own car, you know that California is the second worst state to own car, so, buying auto insurance in Los Angeles can be actually quite high.

We have listed a few ways that can help you to get a cheap Los Angeles auto insurance rate. Of course, these ways will take up some of your time, but, we do think that it is worth the effort as it can really help you to save on your Los Angeles auto insurance.

1. Cut down on your Mileage
   
   Now, this is not a common practice, but, many auto insurance companies are now starting to keep track of the mileage people drives. The more you go, the higher your auto insurance rate will be. So, it is good if you can keep track yourself, if you don’t need to drive, just don’t do it. Cut down on your mileage and ask your Los Angeles auto insurance companies for a lower rate.



2. Your Excellent Driving Record
   
   Do you know that your driving record will seriously affect how your Los Angeles auto insurance rate? Now, if you have multiple speeding tickets, you can forget about getting cheap auto insurance. Auto insurance companies are very concern on the driving record as that is the very first basis they can check on you. So, do take note of that.



3. Shop, Shop and Shop
   
   It is never too much to shop around for as many auto insurance quotes as you can get. Internet is so popular nowadays, with all auto insurance companies listing their auto insurance product online, you won’t be the only one to surf for Los Angeles auto insurance. Simply shopping online can give you comparison among the different auto insurance companies in Los Angeles. So, do take some time to do your research and that will help you to get some pretty nice auto insurance rate.

Ultimately, auto insurance rates varied due to many factors. As a driver, it is most important that you always drive safely and carefully. In doing so, it will essentially help you to lower your auto insurance premium as well.



BB's site is at

Los Angeles Auto Insurance

Los Angeles Auto Insurance - 1

Do you know that auto insurance fraud crimes rate is fast growing in America? And do you know that it might affect you? Okay, let’s face the fact. If you think that it is not affecting you, think again. Those people who commit car insurance fraud are actually hurting you because your premium payment is partially being paid out to them. Not hurting?

In early 2007, there is a case of auto insurance fraud that happened in Los Angeles, LA. If you are not aware, there are a total of 101 people being caught and indicted in Los Angeles County at that time. Surprisingly, beside false car insurance claimants, that group of fraudsters also consists of attorney and office administrators, people that you will never think of that will involve in auto insurance fraud.

Accordingly to the report, over 200 charges were filed against the group. It was also reported that authorities said that more than $500,000 was being stolen from car insurance company over a two years period and this auto insurance fraud in Los Angeles goes down as one of the largest in the history.

We are not going to detailed how they commit this auto insurance fraud in Los Angeles and how the authorities in Los Angeles found out and cracked the group. If you are interested to read more about it, click on this link.

As we know, auto insurance fraud is a serious crime, so, we would like to stress to you the point: please do not ever take part in any car insurance fraud. If you are being approached by anyone, just report them to the authorities. With the rising car insurance fraud crimes rate, the authorities are very alert and keeping a close watch on it. You will never being able to get away with it if you ever participate.

Do your part as well. If you are aware of any auto insurance fraud, report to the authorities also. It is the responsibilities of everyone.



You might be interested to read some of our articles on Los Angeles Auto Insurance, non-owned auto insurance, car rental insurance or cheap car insurance.

For more assistance on car insurance matters, please check out all our archives.



BB's site is at

Los Angeles Auto Insurance

Buy Los Angeles Auto Insurance

Thanks for visiting Car Insurance Assist. We are talking about Los Angeles Auto insurance today and this is our pleasure to welcome you for joining us. Buying Los Angeles auto insurance is always a very tricky thing as it is not easy to get a cheap auto insurance in that state. Why did we said so? Continue to read on as we talked about why buy Los Angeles auto insurance is not easy on Car Insurance Assist.

Now, to cut it short, buying a Los Angeles auto insurance policy is quite similar to any states, except for the fact that, the premium will be high. If you are wondering why, you will be pretty interested to know that an article on Forbes’ research shows that California, which include Los Angeles, is the 2nd worst state to own a car. So, there are more things for you to consider and be aware of if you stay in Los Angeles and are looking to buy an auto insurance there.

With the current internet business model, many car insurance companies are marketing themselves heavily on the internet. And as you know, los angeles auto insurance can be quite expensive. So, with the various choices you have, either by online searching or through insurance brokers, you should really put in some effort on your own to search for the best los angeles auto insurance. How? You can get cheap car insurance advices and how to buy them from our archives.

It is important to note that every states have unique rules and laws governing it’s auto insurance industry. Insurance claims, premium and requirement for auto insurance application won’t be the same across all states and so, when you are buying a los angeles auto insurance, it is advisable that you make sure that you check out the various coverage in details.


Today, it is necessary to buy auto insurance by law if you are driving. So, if you are driving in los angeles, you must make sure that you have purchases that auto insurance. As there are different coverage for different auto insurance policies, make sure that you check them up, reviewed them, ensure that you are sufficient covered before you decided on the los angeles auto insurance.


Beside Los Angeles Auto Insurance, you might also be interested to read up on our articles on non-owned auto insurance, car rental insurance or cheap car insurance.

For more assistance on car insurance matters, please check out all our archives.

Non-Owned Auto Liability Insurance

If you owned a business and have employees who drives their own vehicles to meet clients or for business needs, did you ever wonder what is the kind of coverage of protection you have if your employees involved in accidents? Is your company, employees or you protected when there is an accident and claimed are being made?

Well, if your company owned vehicles, you must already have an auto liability insurance policy exists that covered the company vehicles. But, did you check if there is coverage provided for non-owned auto vehicles? Non-owned auto vehicles refers to those cars that are not owned by your company, maybe your employee or being rented, that are used for your company business needs.

Normally, a business auto insurance policy only insured your company vehicles and does not coverage non-owned auto vehicle. Therefore, it is important that you find out if they are included and if they are not, you might want to consider adding them.

It is quite normal nowadays for employees to drive their own personal vehicle for company business needs. Usually, the personal auto insurance policy will not provide coverage for business usages. So, there is some risk area that are not covered when a non-owned vehicles is being used for business needs and when they are involved in accident. As a company, it is good to include non-owned auto liability insurance to help protect any possible risk arise out of an accident.

If your company does not own any auto vehicles and you are renting car for business needs, it is good to talk to an insurance company to see if you can buy a business auto insurance coverage that provides both hired and non-owned vehicles usage. Hired coverage will provide the business vehicle rental portion and the non-owned portion will provide coverage for employees using their personal vehicles for the business needs.

Take note that it is important to have sufficient auto insurance coverage in place if you ever utilized vehicle for your company business needs. There is also a possibility of financial burden that falls on you in the event of any accident if you are not covered. So, take some times and find out more about non-owned auto insurance.



For more assistance on others auto insurance matters, please check out all our archives.

Los Angeles Auto Insurance

We all know that auto insurance rate is different in all the US cities and states and sometimes, the difference can be quite a big amount. And if you are not aware, based on an article by Forbes, California is the number 2 worst state to own a car. So, it is not surprise that buying auto insurance in Los Angeles or LA can be quite expensive.


Accordingly to a report made by Los Angeles Times on March 18, California Insurance Commissioner has ordered Allstate Insurance to cut its auto insurance rates by 15.9%.

Now, if you read the report, the total savings can be quite substantial. For years, people have been complaining about auto insurance rate being expensive and it look like finally, motorists in California, and of course, including Los Angeles can get cheap auto car insurance.

Read the detailed report here.





For more assistance on others auto insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Car Insurance Assist

Types of Auto Insurance

We, car insurance assist, knew that people just hate the idea of making payment to car insurance premium. We also, but, whether you like it or not, car insurance or also known as auto insurance policy is a necessity if you drive and it is made compulsory by law. Of course, there are ways that you can get around to pay cheaper rate and lower cost, which we outline in some of our archive articles by buying a cheap car insurance policy. So, it shouldn’t be too big a financial burden to you.

Today, in this article, we are going to talk about the various types of auto insurance available and hope that this will give you some ideas and insight about what car insurance is about.



Types of Auto Insurance

Essentially, there are three main types of auto insurance available. Each type of car insurance provides different coverages and comes at a different cost.

1. 'Third Party Only' Auto Insurance
   
   This auto insurance policy is the simplest of all. This policy will provide only the minimal coverage. It covers only third party related damage, be it injury, vehicle or property.
   
   Give you an example, if you are involved in an accident and the other part’s vehicle is damaged or the other driver or passenger got injury, the policy will cover the cost. But, if you are injury or your car is damage, then, you are not allowed to claim against the policy.
   
   Also, if you car is being stolen or set on fire due to whatever reason, you are also not covered.
   
   So, in our opinion, this auto insurance is actually not good as your are exposed to certain risks.




2. 'Third Party Fire and Theft' Auto Insurance
   
   This auto insurance policy is slightly better than the previous one. It provide exactly the same coverage as mentioned in above with an addition. If your car is stolen or set on fire, yes, you are covered.





3. 'Fully Comprehensive' Auto Insurance
   
   The most complete auto insurance of the 3 type. This auto insurance policy provide all the coverage mentioned in the above 2 types and also, it will provide coverage for damages to your own car and as well as injury cost.

So, in summary, it is advisable to buy the fully comprehensive auto insurance policy because it provides the fullest coverage for you and fellow road users.


You might also be interested to read more about two other types of auto insurance, namely, car rental insurance and non-owned auto insurance.


For more assistance on car insurance matters, please check out all our archives.




BB's site is at

Los Angeles Auto Insurance

Non-Owned Auto Insurance

Last month when we wrote about non-owned car insurance, there are some points that yet to be not fully explained. So, in this post we are going to explain more about what is non-owned auto liability insurance policy.

What is Non-Owned Auto Liability Insurance Policy?

Non-Owned Auto Liability Insurance policy refers to the car insurance coverage where it helps to cover liability for accidents caused by driver. Take note that the non owned auto liability insurance is designed to protect only the non-profit organization, not the driver. The non owned auto insurance also applies only above the liability limit of the driver's personal auto insurance policy.

Non-Owned Auto Liability is essentially an excess coverage, covering only when the damages are higher than the driver own auto insurance policy limits, or when the driver has no personal auto liability insurance in force.

So, it is good to buy non-owned auto insurance when you are renting a car. The advantage, as outline in my previous post, is that you no longer need to buy rental car insurance every times you decided to rent a car. In calculating the cost of the auto insurance, the premium that you pay for your non-owned car insurance policy will be cheaper comparing to the rental car insurance.

In buying non-owned auto insurance, we also like to stress and highlight the point that it does not covers collision coverage. So, it is important for you to find out the risks you are being exposed to, which already outline in your non-owned car insurance post.

To minimize the risk factor arise from the collision coverage, we also include the advice on how to obtain that coverage in place. So, please check out our non-owned car insurance post.

Finally, before you proceed to buy the non-owned auto insurance or rent car, check out our article on the car rental requirement that need to be fulfill. The first and most important requirement is you must have a valid driving license before you can rent a car.

For more assistance on car insurance matters, please check out all our archives.

Best Of Car Insurance Assist In April

Well, May is here, and as I said in our review of March in April, we would like to take some times at every beginning of the month to look back and reflect at what we have posted during the past month. So, here you go, for the car insurance review of April.

April had been a pretty exciting month for us at car insurance assist. It was the second month when we started this blog and it seems like we had did something right. Google rewarded us with a PageRank. This was something that we don't really expect as car insurance assist is only 2 months old. Nevertheless, we will keep working hard and hopefully, can bring more value to you.

If you are the visiting this blog, car insurance assist, for the first time, you might want to read more about what this blog is all about and what how this blog can help you.

Looking to buy a car? Did you ever wonder which is the best and worst state to own a car? And boy, if you are interested in that sport car, don't be surprise at the high premium of your luxury car insurance. For female driver, high risk driver or even student driver, don't worry, we do give out some tips on how you can buy cheap car insurance.

Now, it is common that sometimes we might need to rent car, it will be beneficial if you would read up on how to buy car rental insurance, the requirements for renting car and also buying non owned car insurance instead of car rental insurance.

Did you ever wonder how much you can save if you buy your car insurance direct from car insurance companies instead of through insurance broker?

Finally, do not hestiate to call for assistance on car insurance matter or which assistant you can get help from.

And last but not least, thank you to everyone who helps support this site - whether you are new readers or fellow bloggers. Thanks for taking the time to read this blog, car insurance assist - I appreciate it


Till then.


BB's site is at

Los Angeles Auto Insurance

Buy Non Owned Car Insurance

Whenever you rent a car without any valid personal car insurance policy, you are required to buy a rental car insurance policy. However, some people feel that it is very troublesome to buy a rental car insurance everytimes they are going to rent a car. That's why non owned car insurance is a good option to consider.

If you have read through our previous articles on rental car insurance and non-owned car insurance policy, you must be quite clear about what's all about. So, why it is good to buy non-owned car insurance and why more and more people are buying non owned car insurance?


The single and biggest advantage of buying a non owned car insurance, as you can tell, of course, is that you no longer need to buy rental car insurance every times you decided to rent a car. The premium that you pay for your non-owned car insurance policy will be much cheaper when you sum up the total cost of buying a rental car insurance every times you rent a car against the cost of a non owned car insurance policy.

Do the maths and you should be pretty clear about whether you are going to buy a non-owned car insurance policy. If you rent car often, go ahead and buy. If you don’t, then, it is to your disadvantage if you buy.

Although non owned car insurance policy seems to have an advantage for frequent car rental people, there is something you need to take note of. It does not provide collision coverage. Now, collision coverage is important because in event that your car crash into others or overturns, it can covers the payment for damages to the car. So, without this coverage, you might still be at some risks.

The good thing is most credit card company do provides this coverage free of charge if you charge your rental cost to the card. So, you can actually take advantage of it by paying your car rental cost through credit card. If you don’t, it would be advisable that you purchase the collision coverage from the car rental company. Don’t ever rent a car without collision coverage.

Before you proceed to buy the non-owned car insurance or rent car, check out our article on the car rental requirement that need to be fulfill. The first and most important requirement is you must have a valid driving license before you can rent a car.

For more assistance on car insurance matters, please check out all our archives.

BB's site is at

Los Angeles Auto Insurance

Non-Owned Car Insurance

How to Buy Car Rental Insurance – Part 2

Are you tired of buying rental car insurance every time you rent a car? As you know, without a car insurance, you must buy rental car insurance whenever you rent a car, this is to protect yourself and other fellow road users. So, wouldn't it troublesome to buy the rental car insurance every now and then?

Now, if you rent a car frequently, you can actually purchase another type of insurance called Non-Owned Car Insurance. This is a kind of car insurance for people who don't own the car, but, rent car often. In buying this non-owned car insurance, you are actually paying a much lower rate instead of individually buying rental car insurance whenever you rent a car.

It will be good if you are considering buying non-owned car insurance because it provides many coverage that will be critical when you rent the car. In the event of an accident, non-owned car insurance policy helps cover you for any possible claims for damages, injury that arise out of the accident. The car insurance will also pay for the medical cost to you or fellow road users.

Already there are many coverages for non-own car insurance, do take note that collision coverage will not be included. So, what is collision coverage? Collision coverage refer to the payment for damages to the car if you crash into another car or the car overturns.

You will need to buy this coverage from the car rental company when you rent the car. If you are paying your rental cost from credit car, you might want to take note that some credit card companies do provide the collision coverage free of charge. So, check it out with the card companies before you rent the car.


So, if you are renting car often, you can consider purchasing a non-owned car insurance which will be cheaper if you rent car frequently

Take note that if you are without a driving license, you are not allowed to rent a car. For more assistance on car insurance matters, please check out all our archives.

BB's site is at

Los Angeles Auto Insurance

Rent Car And Driving Licence

Are you looking at rent car option for your driving holiday or short vacation? Do you have driving license or you are without a driving license? Do you have a car insurance policy that is still valid?


So, if you are looking at renting a car, there are some requirement and information that you need to know beforehand. Before you start to look around for car rental companies and happily looking forward to rent a car, check out the various information and make sure that you fulfill them.

1. Do you have a valid driving license or you are without a driving license
   
   If you are without a driving license, you can forget about renting a car. It is a must and there is no negotiation on this.



2. Is your driving license going to expire?
   
   For the entire period of time that you rent the car, your driving license must be valid. So, if your driving license expired during the period, no car rental company is going to accept your order.



3. Are you renting the car in another country?
   
   If you are going to rent a car in another country, check out the regulation of that country. Some countries required an international driving license or permit besides a valid driver license. So, it is better for you to check out before proceed.



4. Rental Car Insurance.
   
   Find out if you need a rental car insurance. If you are going to rent a car in another country, you probably need to buy some kind of car insurance. If you are renting in your own country of residence, that will really depend on if you have a valid car insurance. Either way, you need to check out if your car insurance policy is still valid.

So, renting a car is not so simple. There is really information that you need to go find out. Of course, if you are without a driving license, definitely you can’t rent a car. For more assistance on car insurance matters, please check out all our archives.

Lower Your Car Insurance Renewal Quote

Did you ever automatically renew your car insurance policy without even get a new quotation? You did, right? And in fact many other people also do so. Now, it is really a very simple way out, but, you are out of the way in cheap car insurance. Big healthy profits are being made by those car insurance companies simply because most of the existing customers just renewed their car insurance policy without requesting for a new quotation.


Now, it is common that many people assume that their car insurance premium was still as competitive as before, but, in actual fact, it may not be the case. Due to the fierce competition for new car insurance customer, the quote may vary yearly. Many car insurance companies throw in lot of different type of discount to attract new car insurance customers and you may get to enjoy the carrot if you request for a fresh new quotation instead of proceeding to renew your car insurance policy.


So, the best way to really enjoy cheap car insurance premium yearly is simply to request for a new fresh car insurance quote instead of renewing the existing one. Call your car insurance companies for assistance on a new quotation.


Now, requesting a new quote from your car insurance companies as a new customer, then, you can make comparison between the quotes from other car insurance companies. You might be able to compare and find out the various type of discounts available for the current year and it will definitely be better than just simply renewed your car insurance.


Car insurance rates don’t stay at the same level every week. There will be changes here and there, so, it is good that you looked around the various car insurance companies around so that you can get a cheap car insurance. You can check the car insurance companies website through internet and getting a new quota from them is as easy as ABC.


Don’t simply renew your car insurance quote.



BB's site is at

Los Angeles Auto Insurance

Buy Direct Car Insurance

Why You Should Not Use Insurance Brokers

When you are looking to buy car insurance, there are two options you can proceed; to buy from an insurance broker or sometimes they are called middlemen or independent agents, or you can buy directly from a car insurance company.

So, why buy through an insurance broker? The advantage is they are probably represent a few car insurance companies and hence you will can various quote instead of one when you are liaising with an insurance company directly. However, you must be aware that it is not free of charge to you. There will be some associated costs due to the involvement of insurance brokers. So, essentially your car insurance premium will be much higher and the chances of getting a cheap car insurance will probably be lower.


When you buy car insurance directly from car insurance companies, there are many benefits that you can get. As you are directly talking to the car insurance company, you can get a cheap car insurance policy because you already save up the hidden cost earned by the car insurance broker. Also, most of the car insurance provider are large companies that deal in more than car insurance, they probably also provide housing, personal and other types of insurance services. Talking to them directly may help you to find out how you can sign up for various insurance schemes together and essentially that will lower your car insurance premium.


When you buy the car insurance policy directly from car insurance company, as mentioned above, you are paying a lower rate as there is no car insurance broker involved, hence a cheap car insurance.

You will also be able to take your time to make some adjustment to your coverage and meet you target of cheap car insurance. With the car insurance broker, it will be much more difficult as they might not be able to give you a response on time when you choose to add or remove some coverage as they might need to go back to the insurers to get more confirmation.


As usual, it is good that you do some market survey yourself on the various car insurance companies so that you can get a good and cheap car insurance policy. You can consider to check out the car insurance companies through internet before you approach them as it will save you a lot of times.

So remember, buying directly from car insurance companies should be a better option if you are looking for a cheap car insurance.



BB's site is at

Los Angeles Auto Insurance

Cheap Car Insurance For Student

These days, it is very common for university students to drive to school for classes. For student drivers, their age is still young and hence they are more adventurous and risky compare to other experience drivers. Everyone have been through that age and we all know how these student drivers will be like when they are on the wheels. Speeding, racing, night driving, stunts, etc. So, without doubt, car insurance for the student drivers will be higher compare to others and it will more difficult to get a cheap car insurance.

Sometimes, parents don’t recognize that student drivers are more prone to get into accident or traffic offences. So, they are more lax toward them. But, there are statistics that shown student drivers involved in car accidents is high. So, in reality, it is good that parents practice some kind of control over the student drivers.


For student car insurance, there are various kinds of cover that they can choose from, namely, Third party Only, Third Party Fire and Theft and Comprehensive Policy. It is recommended that a comprehensive car insurance policy is being purchased if you are looking into buying car insurance policy for students. As the risk factor is higher for student drivers, purchasing comprehensive car insurance will give a wider range of coverage.

Although the premium for the student car insurance will be higher, it is still advisable to buy. For cheap car insurance for the student drivers, parents can actually helps. Parents can put up some guidelines for student drivers, things like night driving (visibility lower), speeding, racing, or maybe limit number of passengers, driving habits, etc.You can also read up our archive articles in car insurance assist on how parents can help teenage driver, the point in the article is quite relevant to student drivers.



For other recommendation, check out our archives list of car insurance assist.

BB's site is at

Los Angeles Auto Insurance

Car Insurance Online

No one like the fact of paying for car insurance when premium is due, but, it is by law that car insurance must be purchased for all drivers and it is no longer a choice. But, drivers do have a choice on which car insurance policy and coverage to purchase and of course, they do have a choice in selecting a cheap car isurance policy.

Now, with so many car insruance companies competing online for your car insurance business, finding cheap car insurance no longer is a big problem. Drivers just need to be aware of the different factors and criteria that will affect the premium of the car insurance and that should help them to get a cheap car insurace premium.

A few years back when conducting business on the internet is still not so popular, it was very tedious and wasting time by calling car insurance companies for quote of car insurance policy. Those are the days where you can only settled car insurance matter during office hours. Now, with the internet, at anytime of the day, you can simply get quotes online without any problem. Also, you are able to read up material relating to car insurance online at various website, make comparison of prices, all done in front of your computer.

With this car insurance business on the internet, many companies are actually competing to give a better price so as to edge out the competitor. So, there are many incentives and discount being offered through purchasing car insurance online. This is made possible mainly because a lot of manpower cost was being cut down when car insurance business is conducted on the internet.

So, if you are looking at buying a cheap car insurance, why don’t check out the websites of those car insurance companies?


Now, remember when you browsing through the car insurance quotes, it is advisable that you also get various quotes from a few different car insurance companies so that you can make comparison. Check out the detailed coverage of each car insurance quotes to ensure that you are adequately covered and don’t simply go for the cheapest premium. It is unlikely that the cheapest car insurance quote will give you the best coverage. So, make sure that you are aware of the coverage you needed.

For other recommendation, check out our archives list of car insurance assist.

BB's site is at

Los Angeles Auto Insurance

Car Insurance Assist And Car Insurance

Sometimes in life, we take thing for granted. We will never know how precious or important certain things are, for example people, place or even object till that moment we lost it completely.


With the ever increasing rate of car accident, it is very important that a valid car insurance policy is in force, so that, in any events, the car insurance policy can help relieve us on the compensation matters. But, sometimes, people don’t recognize it. There are still people who drive around without driving license, with no car insurance policy and that’s really hurt and harm if any accident is being involved.

The consequences of driving without a license and car insurance are very serious. In the event of accident, besides being caught up by law for driving without license, the cost of damages, injury claimed can be very high and without a car insurance policy, you probably won’t be able to afford the payment. So, don’t ever do it.


Car insurance policy is by law a must in all states. Only by purchasing the car insurance, you can drive around in peace, knowing that the car insurance companies are there to lend support to you if anything happens. And if there is any issue arises, you can simply call car insurance companies for assistance.


There are many different type of car insurance policy on the market, depending on the type of coverage. Irregardless whether you are buying cheap car insurance or you are paying high amount of premium for your car insurance, make sure that there are effective and don’t ever lapse in any payment to the car insurance companies. That’s the only way to best guard your interest and others as well.


If you want to check out more about car isnuranace matters, you can browse through our archives, there are a lot of articles in related to car insurance matters.

BB's site is at

Los Angeles Auto Insurance

3 Tips To Buy Luxury Car Insurance

Okay, you are pretty excited that you finally bought your dream sports car. It was such a beauty, with sports rims, roaring engine and shinning body. Definitely an eye catcher on the road. But, remember, it is also possible that someone else is eyeing it, waiting for the chance to steal it from your nose.

So, have you buy car insurance for it? And since it is a luxury sports car, make sure that your luxuary car insurance is properly covered. Of course, it won’t be a cheap car insurance, for luxury sports car, it would be difficult to get cheap car insurance.

To help you along, the below are three tips to help you know if your car is properly covered.

1. Find the right car insurance company.
   
   Now, not every car insurance company sells car insurance for your brand of luxury car. It is much easier to buy car insurance for normal family car instead of luxury car. If you are not sure which car insurance company to go to, the car dealer that sold you that luxury car should be able to give you a recommendation on the car insurance company that sell car insurance for your brand of car. Do expect that the car insurance premium won’t come in cheap for luxury car.



2. Decide if you are going to utilize the car heavily.
   
   Now, it will help if you decide if you are going to drive your luxury car daily or maybe once in a while. It helps when you purchase car insurance for your luxury car. It would be good if you can give a rough estimate on your annual mileage to your car insurance insurer and maybe, the low mileage will help a long way to getting a cheap car insurance.



3. Join the Prestige Car Club.
   
   For luxury car, there will normally have a prestige car owners’ club. Find out the club that your brand of luxury car belongs to and joined them. You can easier get various tips on your car’s maintenance, upkeeps or things like where to get spare parts, the possible problem of the car from fellow club members.

It is important that you get the best coverage for your luxury sports car since you have invested a big sum on the car itself. So, using the above tips, hopefully, it can helps you in some way toward purchasing of your car insurance policy.

BB's site is at

Los Angeles Auto Insurance

Car Insurance Assistance - Call For Help

Car Insurance Assistance when You Need

Yesterday, we talked about the important of keeping a list of contact telephone of car insurance companies so that when you need assistance with car insurance matter, or when you are in need of assistance during any car accident or damage, you can easily find the number to call for help.

Now, when during any car accident, especially if this is the first car accident you involved in, very likely, you will be panic and don't know what to do. It is crucial for you to know that it is very important for you to keep your calm. When you are panic, you will be at a total loss to know what to do, and you probably won't know how to get assistant. If you have any car insurance companies contact, it would be best for your to call them for assistance. If you don't have, what should you do?

Now, when involved in accident, make sure that you take down the detailed particulars of the accident, including picture of the accident scene. Now, it is very common for handphone to have the camera function, just take down the scene with various angles.

Next, remain at the accident site until police have come. Make sure that you take down the name of the officer and they take down your version of the what happened. It is important that you ensure that these are completed.

Take down the name, address, driver's license and car insurance information of the other driver that are involved in the accident. If you don't, then you might not be able to make any claim if the accident is not your fault.

Then, report the accident to your car insurance company. Of course, depending on how serious the accident is, you may or may not want to risk your premium rate, by claiming damage, you may be charge a higher premium for the next time and hence not able to get a cheap car insurance. That's really depend. You might want to seek some advice from your car insurance representative before making any further move.

So, also remember to stay calm and it is important that you have your car insurance policy in force.

BB's site is at

Los Angeles Auto Insurance

Car Insurance Assistant When You Need

Los Angeles Auto Insurance Assist

If you are first time visitor to Car Insurance Assist, a very warm welcome to you. This blog, car insurance assist, is mainly focused on car insurance related matters, so, most of the articles here are mainly on car insurance.

Take your time to browse through the archives articles of car insurance assist. If you are just interested in how to buy a cheap car insurance, there are various articles covering that area. Take your time to check them out.

If you have any question on car insurance related matter, do leave a comment and we will see how we can assist you.


Okay, today, we at car insurance assist, will not be doing any post of the regular car insurance related article. There is some other thing about car insurance that we want to talk about. The assistance car insurance companies that can render to you when you are deeply in need of help due to car accident, car breakdown, damages or injury that arise from a car accident.

When you need any assistant on car related matters and it is assumed that you have a car insurance policy in force, you can simply call up your insurer for assistant. They will be more than willing to help you or if the car insurance companies are not able give you any assistance, they will be able to direct you to the necessary source where you can get assistant.

It will be very useful for you to take down the telephone number of the car insurance companies or any relevant contact number that you can get hold of in related to your car insurance. Store it in your handphone memory or even write the number down and keep a copy inside your car.

Now, any phone number that you can call when you need assistance on car insurance matters is important, especially when you are on the road. You will never know when you need assistant related to your car insurance.

Most people will get panic in the events that the car breakdown or involved in any car accident. They don’t know what to do, actually, the easiest way out is to call for assistant. So, if you have the car insurance companies contact number, it will in some way, help you when you need. So, just call your car insurance companies for assistant.

Remember, it is always important to have a valid car insurance policy as it is against the law to drive car without any car insurance policy in place.



BB's site is at

Los Angeles Auto Insurance

Cheap Car Insurance For Female Driver

Los Angeles Auto Insurance Assist


It is a bit surprise that till now, I have yet to make a post on the female driver car insurance. So, today I am going to make a post on how female driver can enjoy the benefit of cheap car insurance.

For female driver, it is much easier for them to get a cheap car insurance, comparing to a male driver. Of course, there are some reasoning factors behind it. Most importantly, there is statistics to support the claim for the cheap car insurance. Now, you may not believe it, but, the fact is, female drivers are better drivers than male drivers.

Of course, there will be lot of argument over it but, the number of car accidents which involve female drivers are much more lower comparing to a male drivers. Hence, car insurance company do considered it.

Maybe female driver are more carefully while driving on the road, and not too aggressive might be the reason behind a lower accident rate. Whatever it is, the car insurance companies look at the statistics and hence qualify them for lower cheap car insurance.

Of course, not all female drivers will entitle to that. If they have poor driving records, they will still be charge a higher rate. It really depend on how their past records.

Most importantly, for all drivers, driving safely and carefully is very important. In long term, it will benefit you when you buy or renew the car insurance policy.



BB's site is at

Los Angeles Auto Insurance

Yet Another 3 Ways To Buy Cheap Car Insurance

3 Ways To Buy Cheap Car Insurance


There is a trend that car insurance premium is going higher and higher yearly and it is no longer easy to get a cheap car insurance. A car insurance policy can easily cost you from a few hundreds to a few thousand dollars, depending on your coverage.

So, how to cut your insurance premium? Well, there are a few areas that you can look into and make some consideration, adjustment and end up with cutting your car insurance premium.

1. Check your credit rating.
   It is important for you to get a copy of your credit report and check it. If there is any incorrect or inaccurate points/area, make sure you rectified and fixed it. It is because car insurance companies do reference your credit. If your credit rating is good, to them, you are less risky and it do helps you in your car insurance premium
   



2. Check your motor vehicle report.
   You should also make sure that there is any discrepancy in your personal driving records. If there is, you should report the errors to your state motor vehicle department, as the same time, you can consider to report to your insurance companies as well. It is crucial as an inaccurate report will dampen your chances to get a lower car insurance premium.
   


3. Double check accident report.
   If there is any accident report, please double checked and confirmed they are in order. It is because if there is a mistake that highlight your fault in the accident, you are likely to get a higher car insurance premium for the next renewal.
   

Ultimately, car insurance rates varied due to many factors. As a driver, it is most important that you always drive safely and carefully. In doing so, it will essentially help you to lower your car insurance premium as well.



BB's site is at

Los Angeles Auto Insurance

Best Of Car Insurance Assist In March

This post is supposed to be posted at end of March, but, somehow, it was been delayed till now.

Anway, I will be writing a post similar to what this post is doing for every month end. In the post, I will write and linked to some car insurance posts that I made for that particular month. In case you just comes into my car insurance assist blog, this post should be very helpful to you.

Now, here we go....


If you are the visiting this blog, car insurance assist, for the first time, you might want to read more about what this blog is all about and what how this blog can help you.

Well, and if you interested to find out ways to find cheap car insurance, we outline the various way that will help you to reduce your car insurance premium.


How about reading up more on the next possible kind of car insurance where you only pay for what you drive, it should really interest you.


And if you have teenage son and daughter who are going to embark on their journey of driving, it would be helpful if you can read up on this articles


Finally, you might also be interested to find out more about why do you need to buy a car insurance.


And last but not least, you will be very interested to read this article if you going to rent a car for holiday.


Till then.


BB's site is at

Los Angeles Auto Insurance

Car Insurance For High Risk Driver

There is a group of drivers that car insurance companies classified as high-risk. As long as they continue to be classified as high-risk driver, their car insurance policy will be much more expensive than the others. So, who are this group of people?

• anyone that has had several violations of traffic offences or accidents


• Teenager driver are also considered high-risk due to their age and not enough experience in handling vehicles.


• New drivers

Beside the above group of people, there are also other reasons that might classify you as a high-risk driver, although the reason is not related to your driving experience or skills. Some of the reasons are:-

• Flashy sports car


• Lapsed of your insurance coverage due to late payment of the premium


• Traveling in a motor home.

If you are classified as high-risk driver, expect your car insurance premium to be more expensive, but, it also range, depending on your car type, age, experience, record and even location like state.

In general, for being classified as a high-risk driver, you can expect your car insurance policy to cost more.

Even if you are high-risk driver, it is always a good practice to get quote from various insurance companies and make comparison before you purchase. Most importantly, drive carefully and safety. If you are able to keep a good driving record from now, it will help you to get off the high-risk group after a few years. It is worst the effort as the amount of premium you pay for the car insurance can be very much different.



BB's site is at

Los Angeles Auto Insurance

Why You Should Not Use Insurance Brokers

In this advance and modern internet world, looking for car insurance quote is relatively very easy. Just a few simple clicks and you can get the quotation you need.

So, then why are you still using insurance brokers? You shouldn’t. Not convince? Then let me tell you why you shouldn’t use insurance brokers.

• Insurance brokers are just middlemen between you and the insurance company. They do represent a few insurance companies, but, don’t expect them to represent all available insurance companies. Compare that to all the companies you can get quotation online, just think again, will you ever miss out on a better quote.



• Insurance brokers earn their bucks only when you purchase an insurance policy from the company they represent. And there are some insurance companies that may pay more to the broker than another, so, there is a possibility that you are not been refer to a companies that might give you a better quote.



• When your insurance is due to renewal, the brokers will probably sent out the renewal notice to you. Don’t expect them to re-check your policy to ensure that you are still being having the best price.

So, what is the difference?

Okay, if you really looking for cheap car insurance, you should search for quote online. By doing it yourself, you can get multiple quotes and make comparison. You can make your adjustment, take out certain coverage, or include addition item, and play it around until you are comfortable with the coverage and premium.

It is definitely time consuming on your part, but, if you are in for cheap car insurance, then it is worth the effort.




BB's site is at

Los Angeles Auto Insurance

Buy A Safer Car For Cheap Car Insurance

If you have been following all my previous articles about getting cheap car insurance, you will have notice that I mentioned a few times that a safer, low profile car can help you to get a cheap car insurance.


Why is it so?


Okay, think of two different car type, one is a flashy sports car and the other saloon family car. You make a comparison between two different type of cars, which car do think will have a higher risk exposure to accident?

I guess you will not hesitate to say a flashy sports car, don’t you? Similarly, car insurance companies also think so. But, they don’t simply base the assumption by guessing. They do look at statistics which back the claims which type of car is more prone to accident and hence they will comes with a higher car insurance premium.


There are statistics like crash test ratings, safety features of car, vehicles that are most often stolen, vandalized or burglarized and involve in accidents. In addition, some cars will cost a lot more to repair than other car model. All these are important statistics data that car insurance companies will look at and analyze. That’s why it is important that you need to choose a car that is safer if you are looking at cheap car insurance.


So, when deciding to buy a car, you need to consider are you looking at cheap car insurance. If your answer is yes, then, it would be advisable to get a safer car




BB's site is at

Los Angeles Auto Insurance

The Best & Worst States To Own A Car

If you are planning to buy a car insurance policy, you might be interested to read the article by Forbes which ranked the best and worst state to own a car.

Best and Worst States to Own A Car


It is a very good article as it categorized and ranked the best and worst state to own a car. The article also listed down the various cost involved when owing the car in the state, such as:

• Taxes & Fees


• Depreciation


• Finance & Interest


• Insurance


• Fuel Costs


• Maintenance


• Repairs

Of course, there are some assumptions been made when doing such analyze, but, I think this article is quite informative and you can use it as a reference when you are planning to purchase car. It is also quite interesting to note that the car insurance premium in different state can be quite a big difference.


So, head over to Forbes and check out the article.



BB's site is at

Los Angeles Auto Insurance

How to Buy Car Rental Insurance – Part 2

Okay, yesterday I posted the first method of where to buy car rental insurance in the situation where you don’t have any existing car insurance policy.

Today, we are going to talk about the second method of getting a insurance in place before you rent a car: a non-owner auto liability insurance policy.

Before I continue, if you are interested to read more, you may want to read the two related articles written previously, namely, do you need to buy car rental insurance and How to Buy Car Rental Insurance.



Non-owned auto liability insurance


If you rent car often, it would be very troublesome to purchase a car rental insurance everytime you wanted to rent a car. So, you can actually purchase a non-owner auto liability insurance from an insurance company. This may be cheaper in long run if as I mentioned, utilized car rental service very often.


A non-owned auto liability insurance policy will cover you for any car damages, injuries to the drivers and passengers, injuries to pedestrian on the road, medical coverage for you and fellow passengers, and many more in the events of an accident. It would be advisable for you to find out more in detailed from your insurer.

Do take note that this insurance policy does not consist of collision coverage. Most of the credit card company do provide this coverage free of charge when you charge your rental cost to the cards. Check out from your card company and in the events that they don’t provide, you need to purchase it from the car rental company,

The main advantage of buying this insurance policy is that you can free yourself from some hassle everytime you rent a car. So you may want to consider this option.


BB's site is at

Los Angeles Auto Insurance

How to Buy Car Rental Insurance

Do You Need To Buy Car Rental Insurance


In my previous post, I explored the possibilities of whether you need to buy car rental insuarnce, and suggested the ways that you can go about to find out if you need to purchase the insurance.

In this current post, I am going to assume that you have find out that you don’t have any existing car insurance policy or is no longer valid. So, now before you rent a car, you are actually required to buy a car rental insurance.

Now, there are two ways you can purchase the car rental insurance if you don’t have any existing coverage. You can either purchase the car rental insurance coverage from the car rental company at the time you rent the car, or, you can also buy a non-owner auto liability insurance policy from your insurer.


Today, I am going to cover the first way and tomorrow the second method. So, check out my post tomorrow also on the second method.


The insurance coverage that car rental companies provided are as followed:-

1. Collision Damage Waiver (CDW)
   
   Or some called a Loss Damage Waiver (LDW). This coverage is very important when you rent a car. It is because in the events that your rental car is stolen or damaged when involved in any accident, it can help relieve you of your financial responsibility.
   
   But, CDW can be expensive and it may increase the rental cost up to another 20%. So, you should be very careful when buying this coverage. If you are going to pay your car rental by credit card, you may want to check with your card company on whether this coverage is provided and to what extent.
   



2. Supplemental Liability Insurance
   Supplemental Liability Insurance usually pays over and above what your personal or business insurance covers. If you do not already have personal liability coverage you could purchase this insurance.




3. Personal Accident Insurance.
   This provides coverage to you and your passengers for medical/ambulance bills. This insurance may not be necessary if you already covered by health insurance or have adequate medical coverage under your existing policy.




4. Personal Effects Coverage.
   This provides coverage for the theft of personal items in your car. Same as item 3, check out your existing insurance, if you already have this coverage in other existing car or homeowner insurance policy, you may consider not to purchase this coverage.

So, the cost of insurance for car rental will vary, depending on factors like the rental Car Company, state, and location of the dealer and the type of car you rent. So, do check out in detailed before you make the move to start renting a car.


BB's site is at

Los Angeles Auto Insurance

Do You Need to Buy Car Rental Insurance

Los Angeles Auto Insurance Assist

Okay, you are going to go for a short holiday and decided to rent a car and drive around. Now, before you decide on what and where to rent the car, did you ever wonder, do I really need to buy insurance to rent a car?

Well, the answer can either be a YES or NO. That’s really depends. Now, before you start scratching your head (most probably you are not sure why). Let me tell you why it can be either answer. It is because you need to do some homework yourself to find out if you have adequate car insurance coverage before you decided. If you have enough coverage, then, it is not necessary for you to purchase a car rental insurance. And if you don’t, then, it is of course necessary for you to buy, so that you can have a peace of mind that you are covered.


So, what should you do then to find out if you have sufficient car insurance coverage?


First of all, contact your car insurance company to find out in detailed the coverage and deductibles you have on your own car insurance policy. In most of the cases, these items would apply to a rental car as long as it is being rental for pleasure and not for business purpose. So, it is important to find out more information from your insurance company.

Secondly, you need to call your credit card company to find out the type of insurance your card company provides when you charge the rental cost to the card. The type of coverage might vary from different cards, so, find out more about it.


Now, if you don’t have any car insurance, what can you do?


Do check back tomorrow as there will be a post on what you need to do when you are going to rent a car and you don’t have any car insurance policy purchased.



BB's site is at

Los Angeles Auto Insurance

Why You Need A Car Insurance

Car Insurance Assist

In my very first post on this blog, I talk briefly about why do you need to buy a car insurance. Today, I am going to explain in more detailed why you need to buy car insurance and what is the reasons behind it.


Now, the number one reason why you need to buy a car insurance is because it is illegal to drive without a car insurace. It is by law that you need to have a valid car insurance policy in force before you drive. So, of course, nobody can stop you if you want to drive without a car insurance, as long as you are not involve in any accident or being spot check by any traffic police, you probably are safe temporary. But, be clear about it, if anything go wrong, you will be in a big shit. You are simply going against the law, and the penalty that comes with it will be very heavy.


The number two reason why you need to buy a car insurance is because it is meant to be there to protect you and the other people. As I mentioned in my first post, if there is any accident, damages, injury or any other issues arises out of the accident, a car insurance will form the protection by paying money for any cost arises. Today, the medical cost, car repair are all increasing, and without the car insurance, beside facing penalty for driving without car insurance, you will also be facing a big amount of debts arises out of any accident.


So, is it clear that car insurance is a must?


BB's site is at

Los Angeles Auto Insurance

How Parents Can Help Teenage Driver

You are happy that your son or daughter gets their driving license, and your teen boy or girl is very excited to be able to start driving. But, before they can do so, they need to buy car insurance

The problem is, for teenage driver, the car insurance premium can be very expensive as insurance companies classified them as high risk. So, you need to be very careful and selective in order to buy a car insurance that is affordable and within your budget.

But, as parents, can you help? Yes, you can. In fact, you are able to chip in and help along, and of course, your child needs to play their part also in order to get a cheap car insurance.

The following are suggestions that you can help your teen.

1. Add your child to your car insurance policy.
   
   Instead of buying a separate policy for your child, include them as an additional driver into your car insurance policy. Your child will be entitled to all the discount your policy have by doing it this way.
   



2. Set a good example to your child.
   
   Watch your behaviour when you drive. Your child may learn the way you drive, the way you react when you are driving. Don’t tailgate, overspending, or yell at other driver when they overtake or horn at you. Talk to your teen and show them the right behaviour.
   



3. Educate your child
   
   Driving after consuming alcohol is very dangerous. It is very common that teenager likes to go parties and take alcohol, and they will think that there is no problem controlling the vehicle even after drinking. It is your responsibility to put across this message strongly to your child. If you drink, don’t drive.
   



4. Spend Some Time to be A Passenger
   
   Try to find some time to be just a passenger. Let your son or daughter be the driver and you observe how they drive. If they are doing things that are wrong or unsafe during the journey, talk to them nicely and show them the correct way. If they are driving fine, don’t hesitate to praise them. Acknowledge their great effort.
   

BB's site is at

Los Angeles Auto Insurance

How to find Cheap Car Insurance For Teenage Driver

Car Insurance companies do consider driver's age as one of the factors involved when selling the car insurance policy.

For teenage drivers, the car insurance companies consider that they present more risk due to their age and experience in handling the auto vehicle, and a higher chance exposed to accident and dangerous driving. That's why for teenage drivers, they will find that their premium will be higher and more expensive and it is more difficult to find a cheap car insurance policy for this group of driver.

As we know, age is only one of the many criteria involved in calculating the premium of the car insurance for teenage driver, there are many others factors that can affect the premium rate; things like clean driving record, years with the insurer, car model and many more. Therefore, you can still find ways to get a better quote by doing your own homework.

The following are 3 suggestions for teenage driver’s consideration when buying a car insurance policy:-

1. Don’t buy a sports car.
   
   It is always very tempting to get a sports car, but, do consider again because the car insurance for this type of car model will be higher. It would be advisable to get a car that equipped with the latest safety features as it would definitely helps to lower the premium cost. Also, don’t try to modify or alter your car to look for racier as it might affect your car insurance as well.
   



2. Keep a clean driving record.
   
   This is an unspoken rule and everybody knew it. Always bear in mind that your driving record will have the most direct impact on the premium of your car insurance policy you going to purchase. So, always make sure that you drive safely and carefully, be alert at all times and most importantly, steer clear of any accident.
   



3. Stick with the Same Insurance Company
   
   If you had already bought health or life insurance from an insurance company, check if they also offer car insurance policy. If they did, sticking with them will most probably entitle you to some discount. Or, if your parents’ had a car insurance policy, you may also want to check out if buying from the same insurer will give you any discount.
   

It is important for teenage driver to understand that in order to get a cheap car insruance, it is their responsibility to drive carefully and safety.



BB's site is at

Los Angeles Auto Insurance

Pay As You Drive - Another Cheap Car Insurance Option

It Pay to Drive Less

If you seldom drive or won't use your car that often, then in the near future, you might want to consider another cheaper car insurance option, PAY AS YOUR DRIVE? It is a very simple and straightforward type of car insurance policy, based on the fact that if you seldom drive your car, then the level of congestion, collisions and pollution arise out of driving will be similarly lower; and so is your car insurance premium. So, the policy is closely tied to the mileage of your car.

How this kind of car insurance works is simple; your insurer will actually set a dollar amount that tag to the per mile mileage based on your car type. So, if you are in for this kind of car insurance policy, you just need to buy a set of number of miles that you think is sufficient for your usage and you would be covered for that period of driving.


Although there are many people liken to this kind of car insurance, the bad news is, it is not yet available on the US market. However, there are already some insurance companies offering similar kinds of Pay As You Drive car insurance scheme, either as trial or full rollout commercial products in certain countries like UK, South Africa, Japan and Canada.

So, keep a close lookout if this car insurance scheme is being introduce in the US market.

For more information on the Pay As You Drive, click here.



BB's site is at

Los Angeles Auto Insurance

How to Buy Cheap Car Insurance

Further to my previous post on the few ways to buy cheap car insurance, I am going to explore a few other ways that can help to lower your premium payable when you buy car insurance.

As you know, it is to your advantage if you understand the criteria and factors involved when your car insurance premium are being calculated, so, without further ado, check the following ways out.

1. Consider To Have a Higher Deductibles
   
   So, what is deductibles? Deductibles are actually the amount that you are going to pay before your car insurance company's own coverage plan kicks in. By requesting for a higher deductibles, you can actually further reduce your premium amount.
   
   But why, it will reduce the premium? This is because if an accident occurs and your car is damage, you need to pay from your own pocket the deductibles you request in your car insurance policy, your insurance company will pays only the additional amount exceeding that. So, before you request to increase your deductible, please make sure that you have set aside that sum of money.
   



2. Drive Safely
   
   When buying car insurance, if you have a clean driving record, it can actually helps in securing a cheaper car insurance. This is because considering that you are less likely to involve in accident, the insurer most likely will reduce your premium amount.
   



3. Collision and Comprehensive Coverage
   
   An area where you can consider when looking for lower premium car insurance is take a look at your collision and comprehensive coverage. If your car is quite an old vehicle that have not much value, and you know that you probably won't fix or repair it if there is any damage, do consider drop the physical damage coverage on the vehicle. It will also helps to lower your cost for the car insurance.
   

So, check out the above points and do consider them when you are looking at buying a car insurance.