Overcome The Hurdles Of Finding Cheap Car Insurance In San Diego, California
California State Laws Regarding Car Insurance
When shopping for personal car insurance in San Diego, it’s important to be familiar with California state laws. These laws are in place to protect drivers on the road as well as insurance companies. One law of particular interest when seeking cheaper car insurance rates is the Assembly Bill (AB) 2677, which was passed in California by state legislature and became effective in January 2005. This bill requires every provider that sells private passenger vehicle policies to provide a cost estimate of the lowest priced policy at the limits requested by the consumer. These cost estimates must be available either through a toll free number or a website.
In a nutshell, AB 2677 gives you (the consumer) the ability to quickly and easily compare auto insurance rates among various providers without going into too much detail with your personal information. You can call or visit a website from the comfort of your home without physically visiting each provider’s office, and get fairly accurate quotes based on the information you provide. Also according to the bill, the same information must be provided to the California Department of Insurance.
California’s statutory minimum limits of liability are ,000 per person injured or ,000 total per accident for Bodily Injury Liability. For Property Damage Liability, the total limit is ,000. You do have options to assume financial responsibility, which include obtaining coverage through a policy, paying a cash deposit of ,000 to the San Diego DMV (Department of Motor Vehicles), obtaining a certificate of self-insurance if you have a fleet of 25 or more vehicles, and obtaining a surety bond of ,000 from a licensed provider.
Comparison Tips for San Diego Residents
When comparing car insurance rates among San Diego, CA providers, you’ll want to ask yourself, “How much coverage do I really need?” Compare apples with apples among 10 to 50 companies to find the right fit. In some cases, you’ll need only the minimum liability required. You might determine that only the minimum requirement is needed if your car is older with little value and if it would cost more for the collision insurance than the vehicle is actually worth. If you still owe money to the bank for your automobile, your lender may require you to keep some form of collision coverage.
If you find that you live in a high risk area and want to cover all your bases, you might opt for a comprehensive plan. San Diego is prone to wild fires, particularly during the fall season when tree leaves have dried out. There’s always the possibility of earthquakes if you live in San Diego or anywhere in California. Comprehensive insurance covers these types of damages to your vehicle, along with theft, animal collisions, hail/wind damage, vandalism, etc.
Do an auto insurance quote comparison online for the best results. Maximize your savings by researching possible discounts with each company and by upping your deductible. A simple comparison can potentially save big money in years to come. As a San Diego resident, use the local competition among providers to your advantage and get the cheapest car insurance rate possible!
Why Some Folks Fail To Save Money On Car Insurance In California
Auto insurance providers in California consider many factors to come up with a premium for each individual. There’s no set rate for all drivers or vehicles. So, someone seeking car insurance in California has every right to shop around, compare quotes and coverage types, and research several providers before buying. But even with this entitled right, some folks still fail to secure an affordable rate. Let’s look at some obvious and not-so-obvious reasons why this misfortune occurs.
Failure to Compare
Sounds simple, but a failure to compare rates can cost the insured hundreds of dollars per year. A simple online quote comparison can rend low or high premium quotes from various providers.
Let’s look at an example:
Sally wants to insure her 2007 Dodge Caravan and is seeking the lowest quote. She enters her information at a quote site and gets quotes from four providers. She is 45 years of age, married, a homeowner, has a decent driver’s record (but not perfect), still owes money on her vehicle and has a short commute to work (only ten minutes round trip). She also lives in a suburb area where traffic is minimal.
The providers give quotes, but there are vast differences. One company caters to Sally because she is married, a homeowner, and has a short commute to work. The quote given is 0 per quarter. Another company usually caters to young, single drivers, and since Sally doesn’t fit their status-quo, the premium is quoted at 0 per quarter. Yet another provider offers a discount because Sally’s credit score is great and because the company feels she is a stable, dependable driver. The quote from this company is 5 per quarter. Then of course, there’s the company that expects perfection on the driving record, so they quote Sally 0 every quarter for having a blemish on her record!
As you can see in this example, the quotes are all different and they are based on what the car insurance provider considers to be its “ideal” customer. Assuming it’s a reputable company and financially stable, Sally should gather more information from the provider that quoted 5. She might decide to compare this provider with the one that quoted 0 since the amounts are so close.
If Sally would have ignored the quote process and simply went with the first provider found, she might have ended up with a 0 premium instead of a 5 premium. That’s 0 more per year!
Failure to Familiarize One’s Self with California Insurance
Another reason people fail to save on car insurance is they don’t take time to read up on CA state laws and information. The California Department of Insurance website provides a wealth of information about car insurance. From tips on buying and choosing a provider to state law liability requirements, the Department goes to great measure to inform CA motorists. At the site, you’ll find tips, law facts, statistics, types of coverage available, facts about “proof of insurance,” alternatives to buying an auto insurance policy, terminology definitions, etc.
The Department’s site also lists insurers in the state along with a telephone number and Web address for each, so you can easily contact various providers or visit their websites for more information. Some of the top providers in the state of California include 21st Century Casualty Company, Allstate, Geico, Guideone Mutual, Fidelity, First American, Progressive, State Farm and Safeco.
If you’re a senior citizen or have a very low income, the Department’s site also provides information about low insurance premiums for special circumstances. This valuable information might solve your car insurance woes if you simply can’t afford the rates quoted by local providers.
Don’t Forget Discounts
Some motorists don’t realize how discounts can significantly lower their car insurance. California providers may offer discounts for good driving history, certain age groups, homeowners, safety features on your vehicle, driver’s courses, good school grades (for student drivers), and a good financial credit history.
Educate yourself on how to maximize your auto insurance savings in California. Don’t fall into the same trap as others have in the past and fail to take these simple, money-saving steps!
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The Benefits of Being a Good Driver on your California Auto Insurance
To be able to achieve the best California auto insurance rates, there are a few things you should try to maintain. First, if you are a student, you should try to keep your grades up. Your parents undoubtedly encourage this, but good grades do more than show off your academic ability—it can also result in qualifying for the good student discount and saving hundreds of dollars every year. Another way to keep your insurance costs low is to have a safe car. If you have an alarm system, on-star or other safety features, your insurance will be discounted.
An aspect that you have full control over is your driving habits. Good drivers experience the best priced policies in the state. Did you know that a flawed driving record can result in premiums that cost 20% more than good driving records? If you lose your good driver status, there will be fewer chances to find California auto insurance priced right for you. This means you can appreciate great benefits if you strive to keep your driving record clean.
First, with the passing of Proposition 103 in California, all California auto insurance companies must accept motorists who apply for insurance if they qualify as good drivers. This means if you are a good driver, you have your choice of just about any company in the state you want to obtain insurance from.
A flawed driving record can come about from a few different things. General good driver qualifications include no more than a single moving violation or at-fault car accident in the past three years. If a person has been convicted of driving under the influence of drugs or alcohol within the past ten years, they cannot qualify as a good driver. The final consideration is that the driver must have been continuously licensed for the past three years. This means that young drivers cannot qualify for California auto insurance as a good driver because they have not proven themselves yet.
If you qualify for all of the above mentioned qualifications of being a good driver in California, you can relax and know you will be offered the most prime rates of all drivers in the state. Keep your record clean by obeying the law and maintaining a watchful eye on the road. The benefits could include significant yearly savings on your California auto insurance policy since you have proven yourself to be a safe driver rather than one who causes accidents that endanger others.
Health Insurance in California Needed with High Pollution
California’s inability to meet air pollution standards has generated a lot of expensive hospital care, according to a study by the nonprofit research RAND Corporation. More people in California live where air quality fails to meet the federal clean air standards than in any other state.
From 2005 to 2007, California’s poor air quality resulted in more than 3 million worth of hospital care. Rand researchers think that excessive levels of ozone and particulate pollution caused nearly 30,000 emergency room visits and hospital admissions during those years.
Who Is Hardest Hit by Air Pollution
The Rand researchers looked at air pollution agencies and hospitals throughout California. Their goal was to estimate how excessive levels of particulate matter and ozone affected emergency room visits for asthma, and hospital admissions for respiratory and cardiovascular problems.
They found that the most common hospital care triggered by air pollution involved emergency room visits for asthma affecting children. That accounted for more than 12,000 trips to emergency rooms during the three-year period. Nearly three-quarters of these trips were triggered by high levels of tiny pieces of soot that can penetrate deeply into the lungs.
How Much Does Air Pollution Cost Californians?
The cost of treating health problems caused by air pollution equals the expense of providing flu vaccines to 85 percent of the children in California under the age of 15. The most expensive situations were the hospital admissions for acute bronchitis, chronic obstructive pulmonary disease, and pneumonia triggered by air pollution. Such conditions accounted for nearly one-third of the 3 million worth of medical costs documented during the three-year study.
This is a conservative estimate of medical costs because it does not include outpatient care from clinics or medical offices. That data cannot be examined because such care is not routinely reported to state agencies.
What Diseases Are Aggravated by Air Pollution?
Asthma attacks can be triggered by air pollution, and asthma, itself, can be caused by pollution. A pollutant causes small airways to constrict, and that makes breathing harder even when you’re healthy. When someone is already prone to asthma, it can be life threatening. These attacks are one of the major causes of air pollution related deaths in Europe and North America. Unlike other chronic obstructive lung diseases though, asthma is reversible.
Chronic Obstructive Pulmonary Disease (COPD) is actually a group of diseases that includes asthma, chronic bronchitis, and emphysema. COPD is also spreading as air pollution worsens.
Cystic fibrosis is also aggravated by air pollution. This disease affects mucous glands throughout the body, including in the lungs. Thick mucous develops in the lungs, and allows harmful bacteria to thrive. People with cystic fibrosis have more lung infections and breathing problems, and studies show that the respiratory complications are worse for patients near high air pollution.
Studies have also indicated that living with high air pollution increases your risk of complications and death from diabetes and heart disease. Researchers in California, Spain, and Switzerland have all found that auto exhaust contributes to the thickening of artery walls, which can increase risk of heart attack and stroke.
A study in the journal PLoS ONE measured the carotid artery wall thickness of 1,483 people who lived near freeways in the Los Angeles area for approximately three years. The artery wall thickness among people living within 100 meters (that’s 328 feet) of a highway increased by 5.5 micrometers per year. That was more than twice the average progression seen in other study participants.
Likewise, researchers at the University of Birmingham found a strong correlation between pneumonia and motor vehicle exhaust.
Health Insurance in California Protects against Medical Disparities
A study published in the American Journal of Public Health found differences in the quality of care provided by Federally Qualified Health Centers, known as safety net providers, intended to improve care in underserved urban and rural communities. Studies indicate that quality of care depends on insurance status even in these centers. People with private insurance receive the best care, and people without insurance get the worst.
In the article Insurance Status and Quality of Diabetes Care in Community Health Centers, researchers found that uninsured patients were the least likely to receive diabetes quality of care measures. Quality of care for Medicaid patients was similar. Other studies have uncovered similar disparities in care quality when children were hospitalized for a variety of conditions, and when adults were hospitalized for trauma injuries.
Researchers have also uncovered a similar pattern in Differences in Breast Cancer Diagnosis and Treatment: Experiences of Insured and Uninsured Women in a Safety-Net Setting. Insured women with breast cancer were diagnosed with smaller tumors and at earlier disease stages, and received surgery and chemotherapy considerably faster than women lacking insurance.
Preventive services, diagnostic evaluations, and therapeutic treatments all depend on whether you have health insurance. In California, air pollution makes that even more critical.
You have a better chance of controlling asthma if treatment is begun early, and treatment can reduce the number and severity of asthma attacks.
For COPD, lifestyle changes and medical treatment can help you feel better, stay active, and slow disease progression. Likewise, treatment for cystic fibrosis can also ease symptoms and reduce risk of complications.
Since California has the worst air pollution in the nation, health insurance in California is a much higher priority. Being such a large market, California also has a variety of insurers, and literally hundreds of plans at different prices to help.