subject: Quoting Car Insurance Orange County [print this page] Quoting Car Insurance Orange County
If you are in the process of switching insurance, it is important to obtain quotes for car insurance Orange County. While you may not be carrying adequate coverage, it is important to compare the premiums you are currently paying to policies with the same exact coverage to ensure you are getting the best deal possible. Once you have verified the premiums are lower with a competing insurer, you can then begin to modify your coverages and make adjustments that will add coverage and possibly lower your out-of-pocket costs. Know which coverages to compare and bind a policy that is full comprehensive and affordable.
Bodily Injury and Property Damage Liability Coverages
Every policy in the state of California includes property damage and bodily injury coverage. While the state limits in California are extremely low, you must review your policy and research how much coverage is practical for your case specific situation. If you are a student and do not own anything, carrying 1 million dollars in coverage may not be realistic or practical. While you may not have the budget to carry 1 million dollars in liability insurance, you can afford to carry limits higher than $15,000 per person/$30,000 per accident. Quote the limits you are currently carrying with the competing insurer and obtain additional quotes with higher limits with your existing insurer and the competitors.
Physical Damage Coverages
While comprehensive and collision car insurance Orange County coverages will cover the same losses from company to company, the amount you will have to pay out-of-pocket may vary depending on which deductibles you choose. Policyholders have the option to carry varying deductibles for both comprehensive and collision. While carrying a low deductible for comprehensive may not affect your premiums significantly, lower collision deductibles can drastically increase your monthly bills. When you are obtaining quotes be sure you review the deductibles that are assigned to each coverage. While a premium may look lower, the agent could have given you a $1000 deductible where you currently have a $500 one. Verify this on your quote and ensure your quotes match up. You can raise or lower your deductibles based on how much you want to spend and how much you can reasonably afford if you have a loss.
It is always important to keep in mind that if you have been insured with an insurance provider for a long period of time you may qualify for loyalty discounts and deductible waivers. If the difference in premium from one company to the next is only dollars a month, it may be worth it to stay with your current insurer to keep your loyalty discounts and privileges. Do your research and make a wise choice to bind adequate coverage with a respectable company.
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