cheap car insurance in California

1. CHEAP CAR INSURANCE IN CALIFORNIA www.promaxinsuranceagency.com

2. CHEAP CAR INSURANCE IN CALIFORNIA Today, when you are considering to insure your car, your options conveniently boil down to either the cheap auto insurance your friends have got or the name you frequently hear on the radio when you’re driving back home. However, it is essential to choose the right agency in order to purchase viable and cheap car insurance in California. In California, drivers must carry liability insurance of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person and $5,000 for damage to property. The average cost for each death in a motor vehicle accident is $1,130,000 and the average cost for each nonfatal disabling injury is $61,600. Moreover, the average cost for each property damage crash (includes non-disabling injuries) is $7,500. The court may also impound your car and hold it until you are able to show a proof of insurance. www.promaxinsuranceagency.com

3. What to consider when buying insurance? • Insurance rate • Deductible • Discounts • Payments • Convenience • Aftermarket or OEM parts • Insurance agency • Online Insurance quotes • Collision • Comprehensive • Uninsured and underinsured motorist protection • Personal injury protection www.promaxinsuranceagency.com

4. Insurance rates The insurance rate that you are offered by your insurance company is based on several factors that comprise of how much of a “risk” you pose to the company, that is, how likely it is that you will be making a claim. The more of a risk you pose, the higher your rate will be.  • Deductible If you are involved in an accident and therefore file a claim, you are required to pay your deductible before the insurance company pays the rest of your bill. www.promaxinsuranceagency.com

5. Discounts Insurance companies often offer many types of discounts, usually based on criteria such as safety features in your car, having a clean driving record, owning a hybrid vehicle, belonging to a certain organization etc. It is important for you to inquire these discounts and apply for them while shopping for cheap car insurance in California if you meet the eligibility criteria. • Payments Auto insurance is easier on your budget if you pay the premium in monthly installments instead of an annual lump sum. Quarterly payments are also useful. Most insurers offer at least annual and six-month premium payment options. Promax gives you more frequent payment options along with a cheap insurance policy and online insurance quotes. www.promaxinsuranceagency.com

6. Convenience In order to be able to claim your insurance at any given time, you should make sure your insurance company has a 24×7 helpline. Don’t forget to ask if there are any special requirements when filing a claim. In general, you just need to give your name and address, the names and addresses of anyone injured in the accident or who witnessed it, and general information about the nature of the loss or claim. • Aftermarket or OEM parts If an insurer only covers aftermarket parts, it doesn’t mean you have to rule them out, especially if their rates are good and they have a solid reputation. You can always pay a little extra to upgrade from aftermarket parts to OEM parts if you find their overall rates attractive. We advise our customers to be thorough with the policies and ensure upgrades while providing cheap auto insurance. www.promaxinsuranceagency.com

7. Insurance Agency When discussing complicated matters such as insurance, it can be very helpful to actually meet an agent and go over things in person. Sometimes, just seeing things written out makes them easier to comprehend and can lead to getting a cheaper auto insurance. People who meet with their agent in-person often receive better customer service. When you’re here, tell us if you’d like to receive an annual personal insurance review. We are happy to offer this service upon request. • Online Insurance Quotes We, at Promax, recommend getting at least four online car insurance quotes to ensure you are getting the right price. A lot of people pay higher rates on car insurance than they should have because they haven’t gotten an online insurance quote from at least four insurance companies. Many people don’t have the energy or time to visit multiple sites and answer the same long list of questions over and over again. Therefore, we make sure that you get all the quotes from us so you can compare them thoroughly and hence get a cheap car insurance in California. www.promaxinsuranceagency.com

8. Collision This covers repairs to your car after an accident, no matter which party was at fault. You generally have to pony up for the deductible, which is a set amount of money you agreed to pay before the insurance company kicks in the remainder. Collision coverage is advisable but only if your car is relatively new. • Comprehensive Comprehensive pays for damage to your vehicle from non-crash incidents, such as fire, vandalism, acts of nature and theft. This coverage carries a deductible, too. Whether or not it’s wise to purchase comprehensive depends on the value of your car. www.promaxinsuranceagency.com

9. Uninsured and underinsured motorist protection Usually less expensive than collision and comprehensive, Uninsured and Uninsured Motor Protection covers the costs of your car’s repairs if an uninsured or underinsured driver hits you. There’s no deductible in this type of coverage. • Personal injury protection This pays for medical expenses and wages that are lost to you or the passengers in your car if someone hits you. Moreover, if you are injured while riding in someone else’s car, it will also cover your medical bills. However, if you’re healthy and have a disability policy, you can opt for the minimum coverage. www.promaxinsuranceagency.com

10. FOR MORE INFORMATION www.promaxinsuranceagency.com 800-371-8277