Cheap California Insurance
Many people are not happy with their current insurance costs and are looking for a solution. Finding cheap California insurance it something that is probably on the minds of many California residents.
While you may not like the high price you are paying, insurance is something that you can’t afford not to have. While insurance costs are rising and budgets are shrinking, there are still some ways that you can save money on your car insurance, health insurance, homeowners insurance, life insurance and long term care insurance policies.
Finding cheap California insurance starts with comparison shopping. Our free CA insurance quote tool at the top of the page makes this process convenient for you. Start comparing multiple insurance quotes from top CA insurance providers to see where you can save money and find the cheap CA insurance policies you need!
Another key to finding cheap California insurance is to be an informed shopper. Here are some insurance basics to help you get started.
How to Find the Cheapest California Car Insurance
Every driver that resides in CA is required by state law to have an auto insurance policy. The state also sets minimum requirements that the insurance policy must meet. The CA car insurance minimum requirements are:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability
Some other types of coverage include collision, comprehensive, personal injury protection, and uninsured motorists coverage.
One way to get a cheap CA auto insurance rate is by looking for discounts. Many auto insurance providers offer their customers discounts such as:
- Good Student
- Safe Driver
- Safe Car
- Military
- Senior
- Low Mileage
Check with your auto insurance company to see what discounts are available to you and see if you can save money on your CA auto insurance policy.
How to Find the Cheapest California Health Insurance
When shopping for a California health insurance plan it is important to do some research. Here is some important information that will help you make a wise health insurance decision.
1. Work With An Independent Agent - Working with an independent California health insurance agent is important so that you can have more options. An independent agent can show you plans from multiple companies, giving you a wider selection than a company agent.
2. Know Your Options - Many people sign up for group plans through their employers without giving it a second thought, thinking it is the most cost efficient plan for them. The best plan fir you depends on your situation. Here are some guidelines for choosing between an individual health insurance plan and a group health insurance plan:
- If you are a young and healthy, compare individual quotes with the cost of your group plan
- If your employer is footing the bill, take advantage of it and stick with the group plan
- If you have health problems and preexisting conditions, a group plan would most likely be a better choice for you
Insurance companies cannot pick and choose who can be covered on a group plan, like they are able to do with individual policies. This is beneficial to people who have health problems, enabling them to get coverage for their health problems under the group plan. However, since the insurance company covers everyone under their group plans, they drive up the costs to pay for it. So if you are young and healthy and are paying for your group plan, you may be able to save money with an individual health plan.
3. Compare Quotes From Multiple Companies - When shopping for California health insurance it is important to shop around and compare multiple quotes from top health insurance companies. See which company can offer you the best coverage at the lowest costs.
Our free CA health insurance quote tool makes comparison chopping for health insurance quick and easy! Find the CA health insurance plan you need right now!
How to Find the Cheapest California Life Insurance
Purchasing a life insurance policy will ensure that loved ones you leave behind are taken care of after you’re gone. Life insurance money can be used to pay off a mortgage, supply income for your spouse and pay for your children’s expenses like college.
It’s so important to have a life insurance policy in place so your family will know they are protected in the event of your death. Before deciding which life insurance policy is right for you, you should have a basic knowledge of what is available to you.
There are four main types of CA life insurance to consider:
- Term Life Insurance: A term life insurance policy is for a specific time period and if you die during that time period, the beneficiary of your policy will receive value of the policy.
- Whole Life Insurance: A whole life insurance policy will cover you for life. You pay a premium and the insurer invests part of the premium which increases the policy’s value over time.
- Universal Life Insurance: With a universal life insurance policy you pay a premium and an amount over that that you would like invested. The insurer invests, and the investment and returns are put in a cash value account that can be used to pay future premiums or continue to grow.
- Variable Life Insurance: Variable life insurance is very similar to universal life insurance. When you die, the beneficiary will receive the policy’s value or the value plus the amount of the investment account.
When shopping for cheap California life insurance it is important to shop around and compare quotes from multiple CA life insurance companies. Use our free CA life insurance quote finder at the top of the page to get started!
How to Find the Cheapest California Homeowners Insurance
Your home is most likely one of your largest assets and one of the biggest investments you will ever make. Getting a CA homeowners insurance policy will help you protect that. Compare quotes from top CA homeowners insurance companies to see what kind of rates are available to you.
With a California homeowners insurance policy you can insure the structure of your home and your personal property inside your home. In California, earthquakes are a big concern. Make sure your insurance policy covers earthquake damage or add earthquake coverage as an additional policy.
The basic types of California homeowners insurance are as follows:
- HO-1: This is the most basic coverage. It protects against fire or lightning damage.
- HO-2: This is also referred to as “broad coverage.” This protects against windstorms, hail, explosion, theft, smoke damage from vehicles and aircraft, glass breakage, vandalism, and riot, building collapse, freezing of water/steam in plumbing, heating and air-conditioning, falling objects, snow, ice, and sleet.
- HO-3: This type of insurance policy is the most commonly purchased and will protect against any peril except the ones specifically named in the policy.
- HO-4: This is a policy designed for tenants that will protect personal belingins within your home against the perils included in the HO-2 policy. This will also cover living expenses, medical payments and liability if needed.
- HO-6: This type of homeowners insurance is designed for condo owners. This will cover items inside the condo that are not covered by the association’s insurance policy. It can also offer personal liability protection.
- HO-8: This is a policy designed for older homes. When you own an older home, you may need a modified replacement policy instead of a replacement policy. This will allow you to replace materials in your home with new building materials instead of the same materials your house was originally built with.
Remember to do your research and shop around when purchasing a California homeowners insurance policy. Use our free CA homeowners insurance quote tool at the top of the page to compare quotes form multiple CA homeowners insurance companies side by side!
How to Find the Cheapest California Long Term Care Insurance
As people are living longer and longer, more people are needing long term care at some point in there lifetime. As you get older and plan for your retirement, make sure you also plan to have your needs taken care of.
Long term care insurance provides coverage for assistance with daily living activities, should you need it. This includes dressing, bathing, and eating. It can cover nursing home care, assisted living facilities and in-home care.
Long term care costs are expensive. In 2006, assisted living rates averaged around $35,000 per year. Private nursing homes cost around $67,000 per year. Long term care insurance can heap you pay for these costs and will take the burden off your loved ones.
Many professionals recommend beginning to consider long term care insurance around the age of 40. This may seem young, but the longer you wait to purchase long term care insurance, the higher your rates will be.
Start considering your long term care plan now by comparing long term care insurance quotes from multiple California long term care insurance companies! Our free CA long term care insurance quote tool makes this process quick and easy for you. Get started now!
Find Cheap California Insurance Quotes Today!
No matter what kind of insurance policy you are looking for, our free CA insurance quote finder can help you make a wise choice. Shopping around is so important when purchasing insurance and we want to help you make the right decision.
Compare free quotes from top insurance companies side by side to know that you are getting the best policy at the best rates! Get started finding cheap California insurance now!