Liability Insurance

WHAT IS THE CHEAPEST CAR INSURANCE?

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Getting insurance for your car can be tricky because you do not always know which companies are reliable, even when you have read their reviews online, most people want to make sure they are receiving quality service for what they are paying. International Insurance works with many companies that were carefully selected to assure our clients that they are receiving service from a reliable company that will give them what they deserve. We can only tell you that we have the best car insurance in California because we work with the best companies in the country, to name a few; Aspire, Alliance United, National General, Dairyland Auto, Infinity, Kemper, among others.

In this article you will learn all about general liability insurance so you can know what coverages you want and need. We can get very low insurance rates for you due to our amount of clients. If you are interested in obtaining a quote, do not hesitate to call us. As you already know, there are different types of insurance. Today we are going to talk about General Liability Insurance, which in most cases is the cheapest insurance.

General liability insurance, also known as basic coverage. It helps to pay the expenses of the other person in case they are involved in an accident in which they are at fault. California requires all drivers the following limits 15/30/5 (see below for more information), but why stop there? Someday you might end up needing more than that. Buying a basic insurance is the most common and simple way in which people choose to comply with state requirements.

What does it cover?

• Bodily damages
• If you are involved in an accident that is your fault, this coverage, civil liability for bodily injury, will help you pay for the medical expenses of the other person.

Damage to property

In case it causes an accident and damages the property of another person, such as your car or even if it collides with a home or business for some reason, this coverage, the Property Damage Liability will help you pay for the repairs. Having this coverage is mandatory in all 50 states, but there are different minimum amounts of liability. In this case, the state of California requires the following:

$ 15,000 for injury or death to a person. (Bodily damage)
$ 30,000 for injury or death to more than one person. (Bodily damage)
$ 5000 for property damage. (Damage to property)

How does it work?

Liability insurance coverage limits

The amount that your insurance company will pay for a liability insurance claim also depends on the coverage limits you choose. You may decide to get additional coverage, but that is completely up to you. These are the three limits of liability coverage in your car insurance policy:

Limit of liability for damage to property. This is the maximum amount that your insurance company will pay to repair the damage it causes to someone else’s property. The maximum payment will not exceed the limit you established. Limit of liability for bodily injury per person. This sets a maximum payment for each individual who is injured in an accident if you caused it.

Limit of liability for bodily injury due to accident.

This sets a limit on the total amount that your insurer will pay for all medical expenses that other people incur for an accident you cause. It is important to set this limit at a reasonable amount, as it may be necessary to help pay for medical expenses incurred by several people. Example: if it was the fault of a crash that injured three people in another car. Your limit of liability for bodily injury per person is $ 5,000 and your limit of bodily injury per accident is $30,000. If the total of medical bills for “Individual 1” is $8,000, “Individual 2” costs $10,000 and “Individual 3” costs $12,000, you are covered, since each individual’s bills were less than $15,000 (your personal injury limit per person) and the total cost of the injuries is $30,000, which meets your $30,000 bodily injury limit a single accident If the costs exceed your limits of liability, it is your responsibility, which means that you would have to pay them yourself. That’s why it’s always a good idea to increase your car’s liability limits above the California minimum requirements by getting more coverage.

You may have noticed that these limits are, in general, not enough. Generally, we suggest our clients, if they can, get at least $10,000 for property damage so that instead of paying thousands of dollars for an accident that may cause, pay a couple of dollars more each month.

Cost of Basic Coverage:
The cost of this type of insurance varies from person to person because the insurance rates are determined by your age, marital status, driving history, the area where you live, the year, the and model of your car, etc. Even if you have the theft devices they will give you discounts. There is not a single price, we can only tell you, from our personal experience, that in most cases, it does not exceed $100 per month and the cost of your policy will depend on the following factors:

Background of Management
How clean your driving record is, is important in determining the price of your insurance. How prone you are to having an accident or receiving a ticket, is determined by your driving record, for example, a person who has never had an infraction will have lower car insurance prices than a person who has been stopped in the past three years for speeding or reckless driving. Therefore, if your driving record is not what you would call clean, do not expect to get a monthly $ 30 policy.

Home
The prices of your insurance will also be determined based on how secure the area you live in, for example, it is cheaper to insure a car in Fresno than to insure a car in North Hollywood. Because Fresno has a lower crime rate than North Hollywood and is generally a safer area.

Car type
Another factor that will determine the rates of your insurance is the year, the make and the model of your car, it is usually cheaper to insure the older models, since the newer models are more likely to be stolen. How safe is your car, is another determining factor, how prone to have an accident, for example, a medium-sized family sedan is cheaper to insure than a sports car. Because mid-size sedans are generally slower and safer than a sports car, people who drive sports cars tend to drive faster and we can not always be too careful.

Age
The age of the driver will also affect the rate of your car insurance, taking into account your driving record as well. A 30 year old person will be cheaper to insure than someone who is over 50 or less than 21, but there are also discounts you can get if you are a new driver / teenager or a senior driver for your insurance rate Be lower as driving courses and good grades