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Santa Cruz Car Insurance

Santa Cruz car insurance rates depend on both the driver and the vehicle being driven. If you're a first time Santa Cruz policyholder, you'll definitely want to do your homework about the different options you have in regards to coverage and price. Even if you aren't a first time buyer, you can still compare car insurance quotes from the top companies in the industry to make sure you're getting the best deal for the drivers in your household. You can find car insurance quotes online for free from some of the most respected insurance companies in the country.

You'll be asked for different information about driving for your Santa Cruz car insurance policy. You'll be asked how many times you've been responsible for a moving violation and how many car accidents you've been in. The better your driving record in Santa Cruz, CA, the lower your auto insurance rates will be. You'll also be asked where you live, because the higher your chances of being in an accident in your neighborhood, the more coverage you'll need. You'll also need to explain what type of vehicle you drive, because depending on its value your vehicle insurance quotes will be higher.

Saving Money on Insurance

The best way to save money on your Santa Cruz car insurance policy is to compare the rates from different companies in your area. You can also save money by raising the deductible, or the amount of money you pay up front for coverage when you have a car accident. This will make your monthly premium for insurance decrease, but you'll need to pay more money up front if you have a collision. You can also save money on your Santa Cruz auto insurance policy by decreasing the amount of California car coverage you have for your automobile as it decreases in value over the years.

Another way to save money on your Santa Cruz car insurance is by finding different discounts you qualify for on your car coverage. You can qualify for a number of different insurance discounts on your free car insurance quote. Talk to your Santa Cruz, CA agent to find out what discounts are available to you. You can save money by proving you're a safe driver and that you drive a safe car. You can also save money by not driving very often. If you take a bike or walk to work, you might be eligible to save more money than someone who drives their vehicle an hour to work each day.

Insurance Basics

You'll want to know some of the basic terms of the Santa Cruz car insurance industry. This way, you'll be able to make an educated decision about the coverage you choose. Insurance companies assess the risk of being in a car accident, and then they charge you based on that risk. You'll want to talk to your Santa Cruz, California agent about what date you'll need to pay on your premium. You might be able to change the date you pay each month if it better works with your pay schedule. You'll also want to find out if there is a late fee for not paying for your coverage on time.

Each state, including California, has a minimum requirement about the amount of coverage you need. This is the absolutely minimum you are required to have by law, and you are usually encouraged to get more Santa Cruz car insurance coverage. The basic Santa Cruz automobile insurance policies offer more coverage than the minimum. In California, you are required to have 15/30/5 coverage. This means you need $5,000 per accident for any damage that happens to your car. You also need $15,000 per person in the event of a collision with a limit of $30,000.

Using Your Policy

Everyone pays for a Santa Cruz vehicle insurance policy, but no one ever hopes to have to use their policy. When you are in a car accident in Santa Cruz, you'll need to make a claim about the collision. A claim is the report you make once you've been in an accident. Depending on the type of coverage you'll have, you'll receive a different benefit or reimbursement. If you have replacement cost coverage, you'll get enough money to replace the car or parts that were damaged. If you have actual cost value coverage, you'll get what the parts are worth at the time of the collision.

You'll also want to make sure you follow the proper procedure for a car accident. If you've been in an accident where no one is hurt, you want to get the vehicles off the road in Santa Cruz as quickly as possible, so you don't cause more accidents. You'll want to call the police and take photos of the damage done to your vehicle. This way you'll have something to show to your Santa Cruz car insurance agent.

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