Although California auto insurance policies will not offer a continuous coverage discount when changing insurance companies many companies will offer their clients a loyalty discount. These discounts will vary from five to ten percent between companies. Many times that consumer will be eligible for the loyalty discount if they maintain the same insurance policy for at least 12 months.In California all auto insurance rates are...more
Consumers should be weary of letting other people drive their vehicles. It is important to understand that coverage does not always transfer to permissive use operators at the same limits that are listed on the policy.In California many auto insurance companies offer what is known as reduced limits for permissive use drivers. With policies that have these stipulations, if the insured were to let another person use their vehicle,...more
In California many insurance companies will inquire about additional household residents that live in the home at the time that the insured purchases a policy. Often times, these companies will also mail the insured a written request upon renewal to check if there are additional household residents.The majority of auto insurance policies that are sold in California offer coverage that extends out to other operators that are not named on the policy. This is called permissive use coverage and generally extends to non household residents that occasionally use the vehicle for a short amount of time.When shopping for an auto insurance policy is it very important that the consumer discloses all of the residents of the home. With most insurance companies any person that lives in the household will need to be listed as an excluded operator or be listed on the policy as a driver. When listed as an additional driver the premium will be rated appropriately by factoring the driving experience and record of the additional drivers. When listed as an excluded driver the policy will state that these people specifically will not have any coverage.The reason that the insurance company...more
Many insurance companies in California are now recognizing domestic partner relationships and are now offering couples that are in these relationships the benefits that married couples receive.Some of these benefits include a lower rate. Many insurance companies are offering the same rate to married driver that they offer to couples...more
With policy retention for auto insurance clients that have automatic payments deducted from their checking account significantly higher that other clients on direct bill, many insurance companies are offering more competitive payment plans, lower initial payments, and reduced billing fees to entice consumers to enroll in automatic...more
Many insurance companies are changing their guidelines for policy reinstatements. When a policy is set up for monthly installments the insurance company will cancel the policy after the grace period due to non-payment of premium. Although the insured will not have coverage after the cancelation date many companies are offering to reinstate the same policy term rather than having the client purchase a new policy.There are a few ways that a policy can be reinstated. With some carriers the insured can make a payment and reinstate the policy with a lapse in coverage. This means that the policy would not have had any coverage from the date that it had cancelled until the reinstatement date. Most companies will provide coverage effective the date after the payment is made in order to reduce fraud. This way the insured cannot get into an accident then reinstate the policy and request that the insurance company pay for the claim.Other insurance companies offer what is known as a reinstatement without a lapse in coverage. This means that the policy will be reinstated back to the original date of cancelation. Most companies that offer this type of reinstatement will have a...more
There are many benefits of purchasing an auto insurance policy that covers the entire family as drivers and all of the vehicles in the household. There is generally a significant savings associated with having a family policy, all of...more
Consumers should be weary of the consequences associated with having payments that are not honored by their bank when their auto insurance policy is set up on automatic payments. Although there is significant savings in the billing...more
Many companies that offer commercial auto insurance will offer a variety of payment plans for the policy. Eligibility of these plans will vary from policy to policy and often depends on whether or not the policy has fillings that are...more
It is important for consumers to understand the differences between towing reimbursement and roadside assistance coverage on their auto insurance policy. Although many people believe that they are the same, in fact there are several...more
Many auto insurance policy holders are not aware of the limitations of glass coverage protection on their auto insurance policy. Many auto insurance companies offer protection to their policy holders that carry comprehensive and...more
We could sit here and rehash to you the requirements for operating an automobile on the streets of Dayton, Ohio but instead we decided to cut to the chase and get down to brass tacks. When you are buying auto insurance in Dayton it is much like...more