Auto Insurance Quotes in California

Having auto insurance in California is required by state law and can be very costly if caught without it. Many motorists today are seeking the best deal in town and living in a state where everything is known to be expensive there are so many options to choose from. Yet there are still folks driving around with no car insurance. Auto coverage helps protect against a financial loss in case of a car accident or other type of loss related to your vehicle. It covers damages and injuries that can be caused by a potential accident. It also can cover the costs of repairs to your car or replace it if it were completely damaged or stolen.

Living in California, one of the most expensive states in the country, can also bring about high insurance premiums. Typically, the longer one has been driving without tickets and/or accidents on their driving record, the better Auto Insurance rates they can get.  Some other factors that can play a role include your experience (age), home zip code, and even your credit score. Keep in mind you may also qualify for discounts based on your vehicles safety features and other programs offered by carriers. In addition, select carriers offer deep discounts for having multiple policies in force.

 There are many insurance carriers available and even more offering free California auto insurance quotes online. In some cases the state’s imposed minimum liability may not be enough to cover the cost of damages that result from an accident. In these instances, the motorist responsible for the accident will be held liable for any excess charges not covered by the insurance policy. It is very important to consider what your needs are and putting together a policy that will suit both your needs and your budget.

Should I Have "Full Coverage"?

This question is all too common and deserves the proper attention. The term "full coverage" by definition means that you carry both liability coverage and collision coverage for your own vehicle. However, it does NOT mean that everything is covered no matter what! This is a common misconception and one should understand that you will usually have out of pocket expenses via a deductible or co-insurance. The fastest way to find out what type of coverage you currently have is to reference the Declarations page of your auto policy.

Can My Insurance Premiums Change?

Typically if you have a good driving record and no tickets or accidents, your initial auto insurance quotes in California should only get better as time goes on. However, if you do have tickets accidents or live in a high risk area, your premiums are subject to increase. It is best to evaluate your premiums at least once a year to make sure your rates coincide with the best rating factors. 

You never know when an accident can occur. With traffic as bad as it is known to be in California, having the right car insurance solutions in place is very critical.

Insurance Solutions Tips

It is very critical to have the right Insurance Solutions in place and it can be somewhat complicated. Most individuals do not understand insurance but it is very necessary to you and your family’s finances. Whether you are looking to save money on your Auto insurance quotes, Home, Health or cheap term Life Insurance, you should educate yourself as a consumer. There are hundreds of insurance carriers available here in California, but how do you know who has the best rates or the best plan for you? There are thousands, if not millions, of sites offering you online quotes but what does that mean for your insurance coverage? This is what we will be reviewing today.
Save Money on Your Insurance
Some say “You can never have enough…”, but there is such a thing as being over-insured. Insurance coverage is meant to protect you from the potential financial loss you would incur and therefore you should limit the funds you spend “just in case something happens.” Be sure to have enough coverage that would protect any potential losses at the best rate possible but without cutting too many corners. Of course some risks carry more weight than others but you want to ensure that your overall financial exposure is at a minimum. Thus, the ideal situation is to have adequate insurance coverage but without having to break the bank. This way you can put your hard earned dollars towards something useful!

On the other hand, you don’t want to be under-insured either. This can be detrimental for most people. We have seen this to be true in all facets of insurance services. For example: the woman who didn’t have maternity coverage on her health insurance, or the man who was the victim of a Hit-and-Run and did not have uninsured motorists coverage.

Cheaper Insurance Isn’t Always Better
Online insurance quotes are a great benchmark of what you will pay based on certain factors that are important, but they don’t necessarily mean its the best option for you. Most insurance quotes are based on a few things such as age, zip code, sometimes gender and even past insurance history. If you need a comprehensive insurance plan, than cheaper isn’t going to be better. You run the risk of leaving gaps in your coverage in any type of insurance when you just get the cheapest plan. This can become costly in the long run if you end up needing more coverage than what you were paying for.

Get the Right Insurance Solution in Place
As always, become an educated consumer first! Once you have all of the facts than you can begin your shopping process. At Insurance Solutions, we are a one-stop shop for all of your insurance needs. We are educators first and then we can help you shop the best insurance solutions for you based on your needs and budget. We work with well-known insurance carriers in California and we will be sure to answer all of your questions every step of the way. Our goal is to establish ourselves as your number one source for you and your family’s auto insurance quotesand needs for the long term. We don’t just want to sell you a policy! We will provide true insurance solutions and we will be here to help make the necessary changes as your life changes. Talk to one of our Insurance Pros to get all of your questions answered or to get your free insurance quotes.

Car Insurance for Los Angeles

Having car insurance in Los Angeles is required and can be very costly if caught with out it. Many drivers today are looking for the best deal in town and living in such a busy city there are so many options to choose from. Yet there are still people driving around Los Angeles with no car insurance. The state of California only requires that you carry Liability coverage to cover the damages of another's vehicle or property in case of negligence while behind the wheel of your car.

Living in Los Angeles, one of the most expensive cities in the country, can also bring about high insurance premiums. There are many factors when it comes to rating car insurance premiums. Some of these consist of your experience (age), home zip code, and driving record. All of these play an important role in determining your final quotes. In Los Angeles, there are many insurance carriers available and even more offering free quotes online. It is very important to consider what your needs are and putting together a policy that will suit both your needs and your budget. In addition to the factors mentioned before, you may also want to consider the following:

• Married or Single
• Miles Driven per year
• Homeowner or Renter
• Driving record (previous tickets or accidents)

All of these factors will also play a role in your car insurance premiums and can be in your favor or work against you.

Types of Car Insurance Coverage
When you get car insurance quotes in Los Angeles you are required to carry a minimum insurance coverage for every private passenger vehicle. The minimum for Liability Insurance is:

• $15,000 for injury/death to one person.
• $30,000 for injury/death to more than one person.
• $5,000 for damage to property

In addition, you may want to carry Collision coverage which will cover your property in case of an accident (usually after some sort of deductible is met). In order to keep your premiums low, you can select as large a deductible as you feel comfortable paying out of pocket. For older cars, consider dropping this coverage, since coverage is normally limited to the cash value of your car.

Optional Benefits to Consider
Typically your car insurance will only cover the "basics" unless otherwise stated in your policy Declarations. It may be wise, especially in Los Angeles, to consider the following benefits to your coverage:

• Uninsured Motorist
• Under-insured Motorist
• Medical Payments
• Rental Car
• Towing & Labor

These are just a few important optional benefits that can save you from a lot of headache later. You never know when an accident can occur. With traffic as bad as it is known to be in Los Angeles, having the right car insurance quotes in place is very critical. Talk to one of our licensed insurance professionals to determine what you have that needs to be protected. Or you can get Farmers Auto Insurance and compare your options.

Insurance for Self Employed Health Insurance

For those individuals who  are self-employed, small business owners or independent contractors have taken a big risk to maximize their opportunity and financial future. Being your own boss comes with many freedoms but it also comes with many risks. One of the largest risks is not having the peace of mind of having an affordable health plan. Self employed health insurance is easy to find and can be purchased as an individual or family health insurance plan.

Options for those who are Self Employed Health Insurance

Many individuals who leave a job are not sure about their insurance and therefore they turn to COBRA. Insurance Coverage through COBRA is a great option for those with pre-existing medical conditions that have to be insured. There are cons to COBRA and that is it's only temporary, usually 18 months. However, you are responsible to pay all of the cost as your former employer will no longer be obligated to contribute. Which brings up another very important issue, cost! Can you afford to pay twice the amount you are used to for the same health insurance coverage?

As with most people, the answer is "No". Your best option is to buy a self employed health insurance plan. As long as you and your family are in decent health, it's simply a matter of finding a policy that fits within your needs and budget.

Self Employed Health Insurance Plans


There are several self employed health insurance choices, which include:

• PPO Health Insurance
• HMO Health Insurance
• HSA Plans (Health Savings Account)

Tax Advantages of Insurance


If you have self employment income, then it is a major advantage for your tax deductions! This includes expenses for yourself, your spouse, and all your dependents. However, you can only claim the health insurance premiums write-off for months when neither you nor your spouse were eligible to participate in a group health plan. Also, the deduction cannot exceed the earned income you collect from your business.

The best way to narrow down your options is to speak with one of our licensed insurance solutions professionals. We will provide expert advise and free quotes with no obligation.