Optional California Car Insurance Coverage You Might Want To Have?

In addition to the other types of car insurance coverage already listed, your California car insurance company should also offer other types of coverage. These types of coverage are not related to paying for damages or replacing stolen objects, or even for helping with injuries, but instead are mostly focused on making your claims and driving experience better and easier for you. If your California car insurance company does not offer these types of coverage, you might want to think about going with someone else.

• Rental reimbursement coverage.

This is an extremely useful type of coverage that practically every California car insurance company will offer. It provides for you to rent a vehicle while your own is getting repaired or replaced, usually for up to thirty days. The rental will be billed to your California car insurance company, and all you will have to pay is the security deposit, which will be returned to you at the same time as you return the car.

This insurance is a no brainer if you consider the regular costs of renting a car. The amount that you will pay on your California car insurance company policy for a year will still be less than what you would have paid for a rental car for only one day.

• Roadside assistance.

Towing a vehicle costs a lot of money. I had never had a car towed until recently when I bought a new car, and we needed our broken down trade in towed to the dealership. I didn’t think it would cost more than a hundred dollars, but as it turned out it would cost over $300 to tow this vehicle to a location only forty minutes away. This is why rosadside assistance is so useful. If you break down on the side of the road or get into a car accident, then your California car insurance company will cover the costs.

Cheap California Auto Insurance Rate?

When I bought my new car a few months ago, I had to bring my California auto insurance card, so that the dealership could make a copy and have proof that my vehicle will be insured. From the time that I buy my car, I have thirty days to get a new California auto insurance rate on my car and add it to my policy. I’m given this amount of time because that is the amount of time for which my car insurance policy will cover my new car without my having added to the policy.

However, if you do not have auto insurance, then you often have to go through a lot of hassle to get car insurance from the dealership, and after you’ve already been there for several hours, looking at cars, and filling out paperwork, you will then have to spend more hours on the phone. When my mother bought a car recently, she spent three hours just trying to get insurance, since she had let her insurance on her old car lapse.

In our lovely state, though, there is a new program in many parts of the state that will allow us to get a California auto insurance rate quickly and straight from the car dealership. Called Turbo Coverage, the insurance company from San Jose has created an online program for car dealerships, allowing their customers to become instantly insured at the lot. Fifteen percent of all car buyers will have to buy car insurance from the lot.

Before this came along, the car insurance salesperson had to phone up the car insurance company and deal personally with the auto insurance salesperson to get the California auto insurance rate. This would take a long time. However, now there are kiosks in thousands of car dealerships across California that will allow you to get your California auto insurance rate and policy instantly.

What Happens If I Get Caught Driving In California With a Suspended License?

Reader’s question:

If get caught driving with suspended license in California, what are the penalties involve?

Maria

The California Vehicle Code states that if a suspended driver gets caught driving, the vehicle will be towed and impounded by the California Highway Patrol for up to thirty days. In some cases, for instance, you have prior conviction for driving with a suspended license, the vehicle may be taken from you by the state as a forfeit.

Your license may also be be revoked or suspension may be lengthened if you get caught driving with suspended license. You might also be required to pay fines or even go to jail. This is considered as a serious offense in the state of California as well as in other states.You must also show proof of financial responsibility once you suspension is lifted.

Goodluck!

MariCAR