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Cars and Auto Insurance

Does It Pay to Be Loyal to Your Auto Insurance Company?

    3 minute read

    does it pay to be loyal to your insurance companyLoyalty. It’s ostensibly a virtue that should be cherished above most (or all?) other human qualities. In theory, a person who is loyal to something or someone should reap bountiful rewards for his or her dedication and steadfastness.

    But these days, there are many situations where this simply isn’t the case. You can have a checking account at a bank for years, but they might still deny you a car loan or mortgage. You could be a credit card holder with a certain company for a decade, but still see your interest rate jacked up if you miss a payment. And there are countless Americans who have been laid off from a company after working there 20 or 30 years or longer.

    In short, the respect and admiration for loyalty isn’t what it used to be. But here’s a little good news: loyalty does count for something in today’s auto insurance industry.

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    Does California Offer Alternatives to Car Insurance?

      3 minute read

      You’ve heard it over and over again. For as long as you’ve lived in California, you’ve been exposed to the countless reminders and warnings about auto insurance. The fact that the law requires motorists to obtain this type of policy has been driven (no pun intended) into your head. So, to recap: you cannot drive without auto insurance coverage in California.

      Except… that’s not completely true.

      You Can Drive Without Auto Insurance in California

      pile of cashIf you want to get technical about it, there are ways that you can legally drive in the Golden State without having to purchase an auto insurance policy. In fact, California is one of several states that has a “loophole” of sorts when it comes to mandatory auto insurance.

      Why is this? Think about it: as heavily regulated as insurance companies are in California, they’re still private companies. And in most instances, you cannot force a private company to sell one of its products to a consumer. Plus, there are cases where an insurer might deem drivers too risky for auto insurance policies (for example, if they have dozens of moving violations, multiple accidents, and/or several DUIs on their record). That’s why these alternatives to car insurance were established — as sort of a “work-around” for people who cannot qualify for auto insurance in the marketplace.

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      Why California Leads the Nation in Vehicle Theft (and How to Protect Your Car)

        2 minute read

        car theft in californiaThe state of California has garnered quite a reputation in a large number of categories. It’s the most populous state in the country. It’s one of the entertainment Mecca’s on the planet. And it is known around the world for its tourist attractions, mountains and beaches, and diversity of people and ideas.

        Unfortunately, it is also referred to as the “car theft capital of America.”

        Eight out of 10 Auto Theft Hot Spots Are in California

        Read More »Why California Leads the Nation in Vehicle Theft (and How to Protect Your Car)

        Could You Be Eligible for California’s Low Cost Auto Insurance Program?

          2 minute read

          These days, times are tight for many Californians. After spending their paychecks on housing, food, and utilities, many households still have to find enough money in the budget for auto insurance in order to drive legally in the state. Unfortunately, California is one of the most expensive states in the country when it comes to auto insurance. So drivers have no choice but to bite the bullet or refrain from driving, right?

          There may be another option. It’s called the California Low Cost Auto Insurance (CLCA) program.

          The idea behind this program is to allow low-income Californians a means to insure their vehicles if they cannot afford auto insurance on the open market. These policies are partially subsidized by the state government and issued by participating insurance companies. People who qualify can purchase up to $10,000 of per-person bodily injury or death coverage, up to $20,000 of per-accident bodily injury or death coverage, and up to $3,000 for per-accident property damage coverage. Underinsured motorist and medical payments policies are also available through CLCA.

          How Do You Qualify?

          Read More »Could You Be Eligible for California’s Low Cost Auto Insurance Program?