Insurance Blogs
Southern State Insurance Services, California
After an Accident My Premiums Have Increased
If you have a spotless driving record, it is highly unlikely that your premiums will increase after an accident that wasn’t your fault. However, if you have just one related traffic violation, or fender bender prior to this no-fault accident, then you will probably see an increase in your rates. The length of time varies from company to company. So, if you were an accident that was your fault two or three years before this no-fault accident, the insurance company might consider you “accident-prone” and increase your rates. The length of time between accidents varies from company to company.
Insurance companies base their premiums on risk-factor. So, even if someone rear-ends you at a stoplight when you were minding your own business, if you’ve had a speeding ticket or other violation prior to this accident, you might be deemed an at-risk driver. Each insurance company has different policies and standards, but they look at your overall propensity towards accidents.
Some companies will forgive past accidents after a certain period of time has passed. This can be as little as two years, or as much as five years, but again, it varies from company to company. If you go without a speeding ticket or other traffic violation for many years, chances are that you premium will decrease.
SR22 insurance: There is nothing to be worried about it.
Avoid SR22 insurance: Dear driver be a responsible driver, and your driving records should never have things like DUI or DWI convictions, any serious driving violation, caught driving without insurance, at fault accidents while driving without insurance, repeat traffic offenses, too many traffic violation tickets, License suspension, revoked license. All this may build up your insurance cost by miles, it no good giving hard earned dollars to the insurance companies, where pennies would do them good.
In California SR22 insurance, is known as the California Insurance Proof Certificate. It is required by the Department of Motor Vehicles (DMV), by law to re-instate a driver's license, which has been confiscated or suspended.
SR-22 Also known as Financial Responsibility Insurance is the mechanism by the state government to monitor the insurance of problem drivers and authorize the Secretary of State to suspend upon cancellation (SR-26) or expiration.
We help you get the SR22 insurance with lowest cost, and we help you and see to it that your SR22 insurance is submitted to the department, from our insurance companies, like mercury, Safeco, progressive, and many more. Our Agents follow up the matter till the SR-22 certificate is accepted by the Secretary of State, and receive a copy of the SR-22 from the insurance company and a letter from the Secretary of State.
Whats behind the Pricing of Auto Insurance
There are several factors that affect the price of auto insurance. Of course, prices vary by company and you should compare prices thoroughly before you purchase a policy. The first thing that affects your policy's price is, of course, what kind of car you drive. For instance, a sports car costs more to insure than a family sedan. If you purchase a vehicle that has a high theft rate, your coverage will probably be more expensive. Essentially, though, your coverage will be based on the value of your car.
We take the mystery out of insurance and help you make sense of it, so you can look forward to a brighter, more secure future. To do this we evaluate your specific needs, find the company that will give you the best value for your dollar, while supplying a superior standard of protection. The companies we represent offer tested, reliable insurance products and excellent customer service. We make sure that the insurance companies that we represent have an outstanding reputation for fast, fair claims service.
Another factor that affects auto insurance costs is where you live. If you live in an area where there is a high occurrence of accidents or vandalism, insurance will cost more money. For instance, since more cars are damaged in urban areas than in rural areas, you will probably pay more for insurance if you live in a city.
How often you drive will also affect your insurance costs. The more you drive, the higher the chances you will be an accident. Drivers who have long-distance commutes will pay more than people who live near their workplace. Meanwhile, if you only use your car on weekends, your insurance rates should be lower than someone who commutes to work daily.
The final factors that affect the price of auto insurance have to do with who you are. Your age, sex, marital status and driving record are all taken into account when you buy an insurance policy. Accident rates are higher for drivers under the age of 25, so if you are young, expect to pay a little more. Also, accident rates are higher for young males and single males. It doesn't seem fair, but if you are an unmarried 19-year-old male, your insurance rates will definitely be affected. If your driving record is impeccable, though, your rates will be lower. Obviously, drivers who are prone to traffic violations or accidents will have to pay more for insurance than safe drivers.
Don't worry. There are several ways to keep your insurance rates down.
There are four main factors that can keep auto insurance rates down. See if you fall into any of the following categories. If you do, you may be able to save money on your car insurance regardless of the value of your automobile.
1.If you are looking to buy a car, consider buying a car that "looks good" to insurance companies. For instance, insurance companies know what kinds of cars are prone to problems. They also know what kinds of cars are most often stolen. If you haven't purchased your car yet, find out what cars make this "good list" among auto insurers.
2.Most insurance companies offer discounts for a variety of reasons - for example, good students, having more than one car insured and accident-free driving are all worth a discount. Ask insurance companies about specific discounts that may be available to you.
3.Consider carpooling or using public transportation to get to work. The less you use your car, the less your insurance will cost you.
4.Finally, drive carefully! Insurance companies are not happy to insure accident-prone drivers, so the safer you drive, the less you will have to pay for auto insurance.
Remember, don't be afraid to ask your insurance company about any discounts they offer - it could save you a little cash.
We are proud that 100% of our business and growth of business in California, has been through customers of California, who always comes back to us, and through his / her referrals we grow. Thank you!, My Customer.
We hope you will benefit from our web site and can take advantage of our experience in serving you for all your insurance needs.
We encourage you to contact us with any questions or concerns.
Call-Us on 800-2000-774
Tel: (760) 341-3403
Fax: (760) 346-1238
email: palmdesert@ssins.org
Location:Palm Desert CA 92211
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