ARTICLES

Bad Credit Auto Insurance - How To Get the Best Rates

Having bad credit doesn't make you a bad driver, but it will raise your auto insurance rates. Here's how to get a cheap rate on bad credit auto insurance. Bad Credit Auto Insurance As strange as it may sound, your credit rating directly affects your auto insurance rating with some companies. Auto insurance companies have figured out that people with bad credit file 40% more claims than people with good credit. If you have bad credit your insurance could cost you 20% to 50% more in insurance premiums than someone with good credit. The good news is not all insurance companies use your credit rating as a factor in determining your insurance rating, and some states won't allow insurance companies to use it. So if you've been labeled as a bad credit risk, or suspect you may be, you should shop around for auto insurance with other companies. There are websites where you can get auto insurance rates from a number of A-rated companies, and also get advice from insurance professionals, absoluelty free of charge. All you do is fill out a simple questionnaire about the type of car you own and the type of insurance you want, wait for...
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Where to get Cheap California Auto Insurance Quotes

California has some of the highest auto insurance rates in the nation. So where can you get cheap California auto insurance quotes? Read on ... Minimum California Auto Insurance In order to license your car in the sate of California you're only required to have liability insurance. This pays for damage to another person's car or property when you're at fault in an accident. It also pays for any medical expenses they or their passengers may incur, and compensates them for pain and suffering. Liability Coverage The minimum liability coverage in California is 15/30/5. That means you need to have $15,000 coverage for injuries to any one person in the other car, $30,000 coverage for injuries to all persons in the other car, and $5,000 coverage for damage to the other person's car or property. If you don't have a lot of assets the minimum liability coverage may be enough, but if you have assets you want to protect from a lawsuit, you should increase your liability insurance to cover them. Optional Coverages Collision - This pays for repairs to your car no matter who was at fault. If you drive an older car that's not worth much, consider eliminating...
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