Cheap Southern California Auto Insurance Online
Reader question:
Is it possible to buy my Southern California auto insurance over the internet?
Ingrid
Thank you for asking, Ingrid.
One of the great introductions from the southern California auto insurance community to new technology has been the wide availability of southern California auto insurance policies on the internet. Most of the bigger southern California auto insurance companies have launched websites, where they allow their prospective customers to not only get quotes, but buy policies as well; and the service doesn’t end once you have your policy either. Many companies also offer account management for policy holders, so that you never have to pick up a phone or step into a southern California auto insurance office again.
Most companies which allow southern California auto insurance policies to be bought online can be divided into three types.
- Everything online.
Some of the more high tech southern California auto insurance companies offer everything online, including the final confirmation signature, which they accept electronically. This can be either from a simple typing of initals, or an actual signing function where you write out your name with your mouse.
- Halfway there.
Others will allow you to choose your car insurance coverage and policy and confirm everything, up until the point when you need to sign. While you are covered once you have completed the process, these southern California auto insurance companies will send you a form to your mailing address which you must sign and then return to them.
- Just a little bit.
The last type, which is more common among smaller southern California auto insurance companies, is where the companies will display the coverage information on their website, where the future policy holder can choose it and enter their information. Then, they will receive further information along with forms and request for payment in the mail, and they will not be covered until the payment is received. It’s actually cheaper to just go to the office with this one.
Cheers,
Fashun Guadarrama
Looking For Affordable Southern California Auto Insurance Coverage?
If you have collision coverage on your Southern California auto insurance policy, then there is nothing wrong with trying to find out what the actual cash value payout would be on your car ahead of time. I have a 2007 PT Cruiser, and as it is a new car, it depreciates very quickly, as all new cars do. I went on a hunt to find the actual cash value of my car, and I’ll take you through the steps to show you how I found my own value and how you can find one for your own car.
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Step 1: Look for one that’s similar.
Primarily, your Southern California auto insurance company will look at what car dealerships around where you live are charging for your car, new and used. For my 2007 PT Cruiser, according to the website, the current MSRP is $15,530. This is around the same amount that my own cost me at my car dealership. If you have a rare car, it will be much more difficult to find these prices.
After the Southern California auto insurance company has these pri
ces, it will subtract or add based on the mileage. For example, if you have an older car and it bases its price on a car being sold nearby you that has more mileage than your own car, you will get more than that car is being sold for. If it has less, you will get less.
My car has twenty five thousand miles. If we compare this to another 2007 PT Cruiser being sold new, which will have 0 miles, then the price for my car would go down a couple thousand dollars, to $13,530.
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Step 2: Features.
After that, you will get more money added to the actual cash value according to how many more features your car has on it than the comparison car. For example, my PT Cruiser has power windows, locks, and a touch open hatch. If the comparison car does not have any of these, then my total will go back up to around $14,000.
It depends, also, on the type of option. Some options many people simply don’t care about, and would not care to pay more money for these opetions.
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Step 3: How does it look?
Your Southern California auto insurance company will then consider how your car looks at the moment, to account for some depreciation. For example, my own car has some stains on the seats, so that would account for, say, $200 of depreciation.
The way that they determine how much money will be taken from the actual cash value of your car is by grading each part of it, A through F. In the end, also considering that I just had a repair on my car, which would take off another couple hundred dollars, my actual cash value would be around $13,500.
I still owe around $17,000. Yikes! And that’s why I have gap insurance coverage on my Southern California auto insurance policy.
Who Offers Cheap Southern California Auto Insurance?
After I wrote a few blog posts ago about the cheap southern California auto insurance program, I got some feedback from a couple of readers who were complaining about the fact that they would not qualify for the program because they were ‘bad drivers’, and yet at the same time they could not afford to get a southern Califronia auto insurance policy. So, in the end, they were just stuck in the middle. There was a program out there for low income drivers, but they couldn’t take advantage of it, and the program for high risk drivers was too expensive.
Well, the first thing that I want to suggest to them in this post is that they thoroughly read this site to see if they can’t, applying all of the other discounts and ways to get a better price on southern California auto insurance, find a way to afford their car insurance coverage.
If that doesn’t work, though, and you absolutely have no choice whatsoever other than to drive uninsured, I’d like to suggest a bit of activism. Contact your state legislature.
For some people, that seems a little extreme, but think about it. These people are the ones that made the southern California auto insurance laws in the first place. If there are people who cannot follow those laws, and not for lack of trying, then they should do something about it. After all, car insurance laws are not the same kind of law as no theft, which requires no effort whatsoever. Many people who live below the poverty level, and even many who live above it and right on, find that they cannot perform this required payout.
This is how programs like the low cost southern California auto insurance program come about. If you really want an option for low income, high risk drivers and you can’t do it the usual way, then you need to bring your legislators’ attention to it. It’s in their best interest to decrease the amount of uninsured drivers on the road, so it couldn’t hurt to try.
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