Am I required To Carry An SR22 Insurance?

Reader’s Question:

I live in Los Angeles CA. I am just wondering if your drivers licese has been suspended, will you be required to get an SR22 insurance?

Jane

Los Angeles CA

In Los Angeles California, a person may be required to get an SR-22 for different reasons including after a license suspension for a DUI/DWI and for reinstating a driver’s license after a license suspension for driving uninsured or not having any type of financial responsibility on your automobile.

Since you did not mention the violation, I am unable to tell you whether you would need a SR-22 actively on file through an insurance provider.

I suggest that you contact the You CA Department of Motor Vehicles to know if you are required to carry an SR22. You can search the CA DMV website or contact them at 1-800-777-0133 during normal business hours (Between 8-5, Mon., Tues., Thurs., & Fri. Between 9-5 on Wednesdays). They will be able to tell you if you need to carry this SR22 auto insurance and for how long.

Discount Car Insurance Los Angeles

Reader’s Question:

How can I avail of a discount car insurance in Los Angeles?

Jeda

Los Angeles CA

To avail of a discount car insurance in Los Angeles, there are some requirements you should meet. Insurers set different criteria for their clients and prospective clients to avail of discounts. In most cases, a discount car insurance in Los Angeles can be obtained for the following reasons. First, the car must belong to the lower car group in an insurer’s list. To determine this, you can ask the insurer. Typically, these cars are those that have lower speed capacity because of their small engines. These vehicles are equipped with safety features required under the law. Also, a car belonging to the lower group must not be the expensive type that would expose the insurer to a lot of risks in case it gets stolen or damaged.

Next consideration in getting a discount car insurance in Los Angeles is the driving history of the driver. A driver with a clean record gets a lower rate simply because he has not made the insurance pay for any claims. To encourage good driving behavior, insurance companies offer substantial discounts in return. A discount can also be obtained if you will buy your insurance online. Insurers are inclined to give substantial discounts to online transactions because they save a lot from these.

Van Insurance Quotes California

Reader’s Question:

In the past, I shop for van insurance by contacting insurance brokers and agents. My daughter says I can now do this online. Why should I heed her advice?

Lynn

Los Angeles, CA

Definitely! Shopping for van insurance quotes is now more convenient if you do this online. The Internet offers a quick way for vehicle owners to shop for vehicle insurance. You can request for van insurance quotes California if you go to websites of insurance brokers or companies in California. You can also compare van insurance quotes California by visiting insurance comparison websites.

You can save a lot of money and time when you do your van insurance shopping online. While contacting insurance brokers and agents through telephone works, imagine how much time you are wasting by doing this routine. You can also run into insurance brokers and agents who are not as capable as you would want them to be. They may not be able to answer your questions or give you accurate van insurance quotes California.

If you shop online for van insurance, you can be sure that you get results quickly. You will get your van insurance quote within seconds after you fill out a simple form. You can even compare insurance quotes of different insurers.

Non Owner SR22 Insurance in Los Angeles

Reader’s Question:

I know someone who does not even own a vehicle but needs non owner SR22 insurance in Los Angeles. I thought that SR22 insurance is only for those who own a vehicle. Can you help me with this?

Gwen

Los Angeles, CA

Well, as you can see Gwen not only drivers who own a vehicle may be required to purchase SR22 insurance. Even those who do not own a car may also be required to purchase SR22 insurance and this is in the form of non owner SR22 insurance in Los Angeles.

However, remember that not all drivers are required to purchase SR22 insurance or non owner SR22 insurance. In most cases, drivers who are convicted of DWI or DUI or had several traffic violations are the ones who need SR22 insurance (or in the case of your friend, non owner SR22 insurance in Los Angeles) to have their license reinstated.

Non owner SR22 insurance is a document of insurance to be filed by your friend’s auto insurance company to the California Department of Motor Vehicles (if I am not mistaken). This needs to be done to make sure that your friend has an existing car insurance policy that meets the California requirements for auto insurance. Since your friend does not own a vehicle, then he or she needs to get non owner SR22 insurance. It will serve as a liability protection for your friend. Remember that getting non owner SR22 insurance in Los Angeles does not cover the vehicle that your friend is using. It only covers her in the manner that it will pay for the damage she may cause to the other party.

Short Term Car Insurance California CA

Reader’s Question:

I am a US citizen, and I have a house and a car in Mexico. My car has Mexican insurance. Can I buy short-term car insurance here in California if I wanted to bring the car in this state?

Margaret

Alameda, CA

Car insurance companies in the United States, and the State of California is not an exception, do not generally offer short auto insurance policy terms. So, you may have a hard time finding car insurance coverage from a normal insurance provider that would give you coverage for just a couple of days or weeks.

However, there are a lot of specialty car insurance providers in this state that would offer you such a short period of coverage. Those that specialize in border insurance are the kind of car insurance providers that you want to seek out for this situation. This kind of insurance allows US drivers to drive into Mexico with the mandated Mexican insurance coverage. Likewise, there is also a coverage that would allow a Mexican driver to drive into the United States and still be covered if something untoward happens in the road and he or she gets involved in an accident.

But before you start looking for these companies, you might want to check with your current Mexican car insurance provider because they might be able to provide you with coverage for the short time that you travel to California. If your Mexican insurer does not provide you with such coverage, do some shopping around. Check the websites of insurance companies that specialize in border insurance.

Tags: auto insurance, car insurance, Car Insurance Company, car insurance law

Auto Insurance Minimum Requirements California CA

Reader’s Question:

I just moved here in California. What are the minimum requirements for a California Auto Insurance?

Jeremy

Los Angeles, CA

Like all states in America, California has made it mandatory for every driver to have auto liability insurance. Liability covers for the expenses incurred resulting from accidents or mishaps. These include the cost of medical treatment and/or hospitalization to treat injuries, and the cost of repairs done to the other motorist’s vehicle struck by the insured.

The minimum level of coverage for medical expenses is 15 thousand dollars if there was only one occupant in the vehicle, and a total of 30 thousand dollars for combined medical expenses of all occupants in the vehicle, while an amount of 5 thousand dollars is allotted to cover for property damages, including automobile repair.

Liability does not cover repairs done to or replacement of the insured driver’s car if the insured is at fault in the accident. This is where collision and comprehensive insurance comes into the picture. This is what you need to take care of the damage on your car. Collision and comprehensive insurance not only covers costs resulting from accidents, but also allows the insured to have necessary repairs done to their vehicle at their insurance provider’s expense. Although collision and comprehensive insurance is not required in the State of California, it is strongly recommended.

Tags: auto insurance coverage, collision insurance coverage, comprehensive insurance coverage, liability insurance

Online Auto Insurance California CA

Reader’s Question:

I’m 47 years old, I live in California, and I’ve decided to get a new car. Lately, I’ve been thinking about shifting to an online auto insurance provider but I’m afraid I don’t know enough about it. I’m not even sure if it is safe. Can you give me useful information?

Jack

Los Angeles, CA

Well, Jack of California, instead of talking to an agent as you would in a person-to-person transaction, you would be filling out a tick box on the Internet if you choose to purchase online auto insurance coverage. This is for the online insurance company to gather relevant financial and personal information that would enable them to give you a quote. Just start by typing “online auto insurance” or some other specific key words in any search engine. Most websites you will find in this search are easy enough to explore.

As with all kinds of online transactions, though, you must be careful. Not all websites use personal information responsibly. I suggest you go with the online auto insurance company that already has a good reputation.

What are the advantages? Well, convenience tops the list. But other than the fact that you can get one in the comfort of your own home, there are also a lot of auto insurance providers online. Hence, you have more choices on the Internet. Also, online auto insurance companies can give you rates that don’t include the cost of having an agent or “middleman.” As such, they tend to be cheaper by 20 to 30%.

So, instead of making many appointments and phone calls just to find an auto insurance policy that fits your needs, try those available online. You can get free quotes. You can compare rates, services, and make inquiries with greater ease. A lot of people nowadays have done that with satisfactory results, so there is no need to worry.

 

Tags: auto insurance online, car insurance agent, car insurance quotes

Teen Driver Auto Insurance Premium Rates California CA

Readers Question:

I just got my drivers license here in California two months ago, and I finally was able to come up with the money to buy my 1970 Plymouth GTX 440. My dad says this is going to hurt me auto insurance premium wise. Whats that all about?

Jim

Los Angeles, CA

Jim, your dad is right. Your auto insurance is going to go through the roof. A lot of factors are going against you. First, youre teenager, at least thats what I can gather from what you said. Teenagers are more expensive to insure because auto insurance companies believe that teen drivers are not very careful drivers. They are still overwhelmed by the feeling of freedom that comes with driving his or her own car. Statistics further prove that teen drivers figure in accidents more often than adult motorists. You really cant argue with statistics.

If you are 16-25 years old, your parents insurance rates will increase 2.52 times their base rate. So if they are currently paying $600 it will go up to $1512 or something close to that.

And also because of your age, it will be correctly assume that your driving experience is still limited. That is understandable since youre young and just got your license. However, inexperienced drivers get high insurance premium rates because their driving instincts or road safety instincts are not so sharp yet.

And lastly, your 1970 Plymouth GTX 440 is working against you. Your baby is a muscle car. Even if you were not a teen driver, because of your car, you are bound to get a higher auto insurance premium. Your high-performance car fetches a high auto insurance premium rate precisely because it is a muscle car. Your car can roar and, good grief, we know theres a big chance youre going to roar, as well, in California.

Dont get me wrong, your car rocks, but thats gonna cost you.

Automotive Insurance Coverage Los Angeles California CA

Reader’s Question:

Hi, I’m from Los Angeles, CA and I have two cars. One of my cars is not insured nor registered since it’s already old and I’m just keeping it because of its sentimental value. The car is still working although I seldom use it. I’m wondering if it’s okay to have it parked in the street even if it’s not registered or insured.

Anne

Los Angeles, CA

Every state has its own set of rules - each depending on how to go about their need to protect their people. Apparently, the rules on insurances vary per state, too. Typically, a state would require that a car be registered and both the vehicle and the driver be insured. It may be possible for the state to mandate a law on parking insured vehicles only to ensure that whatever accident may happen, the vehicle is still covered.

When it comes to cars that are seldom used, there are also a different set of rules regarding its registration (and insurance). There in Los Angeles, California, there is a law that requires that vehicles that are driven, garaged, or parked on public roads or on an off-road parking facility be currently registered. If you consider your vehicle as belonging to any of these categories, then I suggest you have it registered. Otherwise, you don’t have to avail any of the two but pay a non-operation plan fee instead since the vehicle would most likely be off the road. A car insurance and registration work hand in hand because you must have a registration in order to get an insurance, and since the state requires that operable vehicles be registered and insured, you are likely to get both. However, in your case, since you seldom use your car, you may apply for an auto insurance premium which will allow you to pay a lower rate than what you pay for your other vehicle since it is already considered as a “low risk.”

 

Tags: auto insurance, car insurance

Auto Insurance With Traffic Tickets Hayward California CA

Reader’s Question:

I have a California driver’s license and received a speeding ticket while I was traveling in Wisconsin. Is an on-line course available that could help me remove the ticket from my record? By the way, the fine was already paid.

Lowe

Hayward, CA

Driver’s License Compact requires member state, which includes California, to inform the traffic violation of their licensed motorist that is received out of the state, to other state members. Not being a DLC member will not mean that the state of Wisconsin will not report to CA DMV of the speeding ticket you received.

Because you have paid the fine, it appears that you were already convicted of the violation for speeding. This information on violation will appear on your driving record. In this regard, no type of WI traffic school
or driving course can remove the ticket from your record. In CA, an out-of-the-state speeding violation is equivalent to 1 point.

An approval from the clerk of the court or another judicial officer to attend a traffic school in CA could be an option if you received the speeding ticket within the CA state’s county and not out of the state.

You can also contact the CA DMV to find out if there is another way to remove the points from your CA driver’s license.

 

Tags: auto insurance, car insurance, traffic school, traffic violation

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