San Francisco Car Insurance

ARE YOU EQUIPPED WITH THE INFORMATION YOU NEED TO MAKE THE BEST DECISION ABOUT YOUR CAR INSURANCE?

It is important to shop around for the best insurance rates. Some people think that the state and insurance companies fix the rates, but that simply not true. That why it is so important to shop around for the best rate that fits your needs.

In 2009 the national average for car insurance premiums were $1735, while in Texas the average car insurance premiums were $1809. Insurance rates increased in Texas in 2009. In 2009 the auto insurance average in Texas was 9% higher than it was in 2008. While in 2008 it was 1% higher than it was in 2007.

In San Fransico it was completly different, infact we pay much more than those Texans.

Basic minimum coverage required for the state :

Bodily injury liability limits of $25,000 per injured person up to a total of $50,000 per accident.
Property Damage Liability with a limit of $25,000

In CA someone must be found to be at fault for the accident, at that point it is the person and his/her insurance company that is responsible for the damages. This is known as the Tort system. Tort systems will vary from state to state.

Uninsured/Underinsured Motorist Bodily Injury coverage is available, but is not required by CA law. This is to cover bodily injury caused by an uninsured or underinsured motorist. This is very valuable coverage, which you should consider purchasing.

YOUR CREDIT HISTORY MAY AFFECT YOUR CAR INSURANCE PREMIUM

The reason insurance companies do this is because they believe there is a direct correlation between credit worthiness and expected claims. So it is very important that you give accurate personal information i.e., name, correct address, date of birth and social security number to your prospective insurance company.

It is very difficult to say what a good credit score is since each insurance company uses different ways and techniques to gather information that make up a credit score. Typically someone with a good credit score will receive the best premium rate.