Who Has Cheapest Van Insurance Quotes in California?

Reader’s Question:

Is it cheaper for women drivers to get van insurance compared to men? My husband and I were arguing about it a couple of days ago.

Ellen

Sacramento, CA

It depends on a number of factors. However, generally speaking, women drivers are more likely to get cheaper van insurance quote compared to male drivers. Women drivers are seen as more responsible and careful when driving on the road. Statistics back this claim since less women are involved in traffic accidents and violations. So women drivers may have a better chance of getting cheaper van insurance than their male counterparts.

Male drivers are also more inclined to drive longer distances than women drivers, so insurers rate them as high risks compared to women drivers.

But there are other ways for men to gain cheap van insurance. For men to get lower van insurance, they should shop around for an affordable van insurance quote California. There are many websites in the Internet that offer lower van insurance quote California. Men should also present themselves as responsible drivers by showing a creditable driving history to get cheap van insurance quote California. Likewise, male drivers should install security devices on their vehicles so that insurance companies can give them discounts for their van insurance policies.

Getting a Cheaper Rate on California Car Insurance is Easy

Progressive auto insurance company says that  car insurance buyers would be able to save around five hundred dollars on their six month car insurance premium if only they shopped around for their prices. However, many don’t, which is why the majority of Americans and those who own insurance policies are paying too much for their car insurance.

Progressive said it got its information from a study of over seventy thousand customers over a six month period. The study relates the lowest  car insurance rate possible versus the highest, and notes the gap (five hundred dollars in the case of car insurance). Depending on what state you are in, the degree of separation in dollars between the highest and the lowest car insurance premium can be more than many preferred car insurance pays in a year. In Houston, where I’m from, the variation is as much as $838 of variation for a six month policy.

Putting aside car insurance, some other areas in California had huge variances between auto insurance rates as well. Notable, San Francisco:

• $514 of variance

And Los Angeles:

• $616 of variance

Progressive went a little with its study and tried to see how aware California car insurance policy holders were of this rate variance. According to their findings, 65% didn’t realize that the variations between rates was so huge–most estimated it to be around one or two hundred dollars on average. And 60% of the people asked had not made an effort to shop around for a good insurance policy in several years.

Even if the company that you are with now had the best rates several years ago, that doesn’t mean that the same will be true today. New companies rise up and offer cheaper prices, and older companies find new ways to pass the savings on to their customers. The best thing to do to ensure that you get a cheap California car insurance quote is to shop around at least every six months.

Commercial Car Insurance – What You Should Know

Also concerning commercial car insurance is the use of rental cars on business trips, and this is another question that comes up often on this subject. When you are using a rental car on a business trip, are you covered by your company’s car insurance policy, or do you need to get a separate travel insurance policy, or (finally) does your own car insurance policy cover the trip?

All good questions. Starting with your visit to the rental car company, you should make sure that they are aware that you are traveling for business purposes, and when you fill out your information you need to include the name of your company. If you do this then, should anything happen to your or you get into a car insurance accident, then the rental car company will know that it needs to call your company’s insurance provider.

Normally when you go on a business trip to a new place, you also spend some time enjoying yourself as well. Nobody is going to stop by Las Vegas for a conference and not step onto the Strip one time. If it happens that this is the case for you, then it will depend what you are doing at the time of the accident. If you run into another vehicle in a casino parking lot, you will have to depend on your own car insurance policy. However, if you crash on the way to your conference, then your company should cover it for you.

Depending on where you go, your coverage amounts will change. If you are covered in California, but you go to a state where the limits of coverage are higher, then you will automatically have at least those limits. Most insurance policies will also take care of damages on travels to Canada, and in Mexico near the border.