Cheap car insurance in California

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CHEAP CAR INSURANCE IN CALIFORNIA
www.promaxinsuranceagency.com
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CHEAP CAR INSURANCE IN CALIFORNIA
Today, when you are considering to insure your
car, your options conveniently boil down to
either the cheap auto insurance your friends have
got or the name you frequently hear on the radio
when youre driving back home. However, it is
essential to choose the right agency in order to
purchase viable and cheap car insurance in
California.
In California, drivers must carry liability
insurance of 15,000 for injury/death to one
person, 30,000 for injury/death to more than one
person and 5,000 for damage to property. The
average cost for each death in a motor vehicle
accident is 1,130,000 and the average cost for
each nonfatal disabling injury is 61,600.
Moreover, the average cost for each property
damage crash (includes non-disabling injuries) is
7,500. The court may also impound your car and
hold it until you are able to show a proof of
insurance.
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What to consider when buying insurance?

• Insurance rate
• Deductible
• Discounts
• Payments
• Convenience
• Aftermarket or OEM parts
• Insurance agency
• Online Insurance quotes
• Collision
• Comprehensive
• Uninsured and underinsured motorist protection
• Personal injury protection

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• Insurance rates

The insurance rate that you are offered by your
insurance company is based on several factors
that comprise of how much of a risk you pose to
the company, that is, how likely it is that you
will be making a claim. The more of a risk you
pose, the higher your rate will be. 

• Deductible

If you are involved in an accident and therefore
file a claim, you are required to pay your
deductible before the insurance company pays the
rest of your bill.
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• Discounts

Insurance companies often offer many types of
discounts, usually based on criteria such as
safety features in your car, having a clean
driving record, owning a hybrid vehicle,
belonging to a certain organization etc. It is
important for you to inquire these discounts and
apply for them while shopping for cheap car
insurance in California if you meet the
eligibility criteria.

• Payments

Auto insurance is easier on your budget if you
pay the premium in monthly installments instead
of an annual lump sum. Quarterly payments are
also useful. Most insurers offer at least annual
and six-month premium payment options. Promax
gives you more frequent payment options along
with a cheap insurance policy and online
insurance quotes.
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• Convenience

In order to be able to claim your insurance at
any given time, you should make sure your
insurance company has a 247 helpline. Dont
forget to ask if there are any special
requirements when filing a claim. In general, you
just need to give your name and address, the
names and addresses of anyone injured in the
accident or who witnessed it, and general
information about the nature of the loss or claim.

• Aftermarket or OEM parts

If an insurer only covers aftermarket parts, it
doesnt mean you have to rule them out,
especially if their rates are good and they have
a solid reputation. You can always pay a little
extra to upgrade from aftermarket parts to OEM
parts if you find their overall rates attractive.
We advise our customers to be thorough with the
policies and ensure upgrades while
providing cheap auto insurance.
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• Insurance Agency

When discussing complicated matters such as
insurance, it can be very helpful to actually
meet an agent and go over things in person.
Sometimes, just seeing things written out makes
them easier to comprehend and can lead to getting
a cheaper auto insurance. People who meet with
their agent in-person often receive better
customer service. When youre here, tell us if
youd like to receive an annual personal
insurance review. We are happy to offer this
service upon request.

• Online Insurance Quotes

We, at Promax, recommend getting at least
four online car insurance quotes to ensure you
are getting the right price. A lot of people pay
higher rates on car insurance than they should
have because they havent gotten an online
insurance quote from at least four insurance
companies. Many people dont have the energy or
time to visit multiple sites and answer the same
long list of questions over and over again.
Therefore, we make sure that you get all the
quotes from us so you can compare them thoroughly
and hence get a cheap car insurance in California.
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• Collision

This covers repairs to your car after an
accident, no matter which party was at fault. You
generally have to pony up for the deductible,
which is a set amount of money you agreed to pay
before the insurance company kicks in the
remainder. Collision coverage is advisable but
only if your car is relatively new.

• Comprehensive

Comprehensive pays for damage to your vehicle
from non-crash incidents, such as fire,
vandalism, acts of nature and theft. This
coverage carries a deductible, too. Whether or
not its wise to purchase comprehensive depends
on the value of your car.
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• Uninsured and underinsured motorist protection

Usually less expensive than collision and
comprehensive, Uninsured and Uninsured Motor
Protection covers the costs of your cars repairs
if an uninsured or underinsured driver hits you.
Theres no deductible in this type of coverage.

• Personal injury protection

This pays for medical expenses and wages that are
lost to you or the passengers in your car if
someone hits you. Moreover, if you are injured
while riding in someone elses car, it will also
cover your medical bills. However, if youre
healthy and have a disability policy, you can opt
for the minimum coverage.
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FOR MORE INFORMATION
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