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Getting the Best Possible Car Insurance Rates

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California law requires drivers to have a way to cover the costs associated with any type of injuries or damages they have caused in a vehicle accident. The easiest way to comply with this law is to have car insurance. Many people may just get the amount of coverage required. It’s possible this won’t provide a sufficient protection for them in many cases. A car accident attorney will recommend a person make an honest assessment of their situation and then try to get the best car insurance policy possible.

Traditional Car Insurance

In this situation, an insurance company will determine its auto insurance rates based on a number of personal factors. This includes such things as a person’s credit score, age, driving history, gender, where they live and more. Based on this information, a car insurance company will determine the level of risk associated with a driver. The greater the risk, the higher the car insurance rates. A car insurance company can sell a person the minimum required insurance. They can also offer various car insurance products.

Telematics Device

In California, insurance companies can offer usage-based insurance programs. Drivers are given a telematics device to place in their car. It will record all of a person’s driving habits. It could determine if a driver will qualify for per-mile insurance. There are also usage-based insurance rates determined by how much or how little a driver uses their vehicle. In both situations, an insurance company will also use personal factors to determine a driver’s insurance rates. The use of a telematics device does have the potential to save some drivers money on their car insurance premiums.

Review Current Insurance Policy

One of the first steps to choosing a car insurance policy is for a driver to review their current policy. It’s important they note the level of insurance as well as the amount they are paying for it. This will provide some goals when it comes to getting preferred coverage as well as the best possible insurance rates.

Check Driving Record

It’s easy for a person to forget a speeding ticket or something that didn’t seem like a big deal at the time. A person’s driving record will be used to determine their car insurance rates. Should someone have tickets or points on their record that will soon be removed, it is important they wait until this is done before getting insurance quotes.

Obtain Quotes

Once a person knows their personal driving needs and information, it’s time to present it to different insurance companies for a quote. Many people will ask friends or family members about insurance companies. A quote can be obtained using an online service or by directly contacting an insurance company representative. The amount of time required to receive a quote will vary between ten and twenty minutes. Many drivers who invest the time necessary to get multiple quotes have often been able to save hundreds of dollars.

Insurance Policies

It’s important to know an insurance company’s different rates for the coverages they provide. Knowing an insurance company’s payment policies is also essential. A driver should be aware of the payment plans offered by a company as well as any grace periods associated with making a late payment and more. All possible car insurance discounts should be explored. Insurance companies may give a discount for a person’s good driving record as well as the security and safety equipment on their vehicle and more. Some people get discounts if they have certain professional affiliations as well as certain occupations.

Check Insurance Company

A car accident attorney may recommend checking with the California Department of Insurance when choosing an insurance company. This is where it’s possible to get information on the reliability of a company as well as complaints brought against them and more. It’s also possible to get an independent rating of an insurance company from Weiss Ratings. Useful reviews from an insurance company’s customers are maintained by J.D. Power and Associates.

Review Information

This is the step when the costs, and coverage types, as well as coverage limits of different insurance companies need to be compared. The driver’s budget for car insurance will also be a consideration. A car accident attorney will recommend drivers confirm everything promised in an insurance quote is in the policy. The Insurance Consumer Advocate Network recommends checking if an insurance policy requires an auto repair business to use new factory parts or if aftermarket parts are acceptable. If an insurance policy requires only factory parts be used for repairs, a driver may want to think about this policy. If an auto repair business uses the wrong parts, the insurance company may be able to legally deny their claim.

Many people don’t take their car insurance serious enough until they have an accident. This is when they learn about their policy and insurance company. In some cases, it’s a good experience. Many people also find it an upsetting one. When someone believes they’re not getting fair compensation after an accident, it may be time to contact a car accident lawyer. They know how to review a person’s insurance policy and help them get what they deserve from their insurance claim and more.

What Our Clients Say

Honestly can't say enough positive things about the Law Brothers! I got into a severe car accident at the end of 2016 and they've been with me every step of the way ever since. Almost 4 years! I want to thank everyone there especially Caitlyn, Shawn, and Yasmeen. They have been responsive, helpful, and reassuring and I don't know what I would've done if I didn't have the legal support that I was able to get along the years. They are super professional and really helped me get through this hardship in my life. I would definitely recommend!!!

Ivonne K.

Last year I contacted your law firm when I got into a car accident. the gentleman that handled my case, his name was Cesar. Cesar was very helpful and compassionate about my situation. He helped me get my car fixed very quickly and was super patient with me. He answered all of my questions and ensured me that everything will be taken care of. Once my case was settled I ended up getting more than I was expecting, which was amazing. I highly recommended Cesar and this law firm to anyone that needs help.

William Charlton

I was a client to the Law Brothers firm for about a year, the staff is really nice and professional. I would get updates on the case status and when I did call I would usually get a call back within 24 hours. I really appreciate the work that was done for me. I got the most out of my settlement and when I called to have a break down of the costs, Genesis was very patient and gave me a break down on all of it. I will definitely recommend this law firm to friends and family, as well as call them in the future if needed (hopefully not soon).

Erendira Landa

I had gotten into an accident and had no idea what to do. Friends and family recommended I get a lawyer since I was not at fault. I found this firm and I was beyond impressed. They handled everything for me from car insurance questions to finding doctors for me to visit. After my accident all I had to do was make appointments with various doctors to help with my pain. I give five stars because this firm went above and beyond and continued to follow up with me. I highly recommend if you are in need of a lawyer to use them.

Jacqueline D.

The team at the Law Brothers we’re amazing! I am not the kind of person to seek legal counsel, but I was hit by a car while riding a motorcycle and the driver’s insurance was avoiding my attempts to get reimbursed. They were able to not only get a settlement that replaced my motorcycle, but they found me physical therapy which was close to my work. Now I am back to where I was physically before the accident and I am able to ride a motorcycle again. They were always responsive to my texts, calls, and emails. They even would systematically check to see how I was healing and if the support they linked me to was satisfactory.

Charles Mortensen

This law firm is a team of miracle workers! The Law Brothers Law Firm saved me from suffering at another law firm from Century City. My case manager Jonathan was able to gather all the details from my accident ( literally within a week! ) and keeping me updated consistenty to keep me at ease. They work diligently and keep at it until your case is completed. I went through a car accident that almost took my life away but thanks to the higher power and the Law Brothers, you won't even hesitate to choose them because I felt trust and integrity throughout my case and I feel happier in my life, which in my opinion, matters the most at the end of the day.

Jason Avelar

What Our Clients Say

Honestly can't say enough positive things about the Law Brothers! I got into a severe car accident at the end of 2016 and they've been with me every step of the way ever since. Almost 4 years! I want to thank everyone there especially Caitlyn, Shawn, and Yasmeen. They have been responsive, helpful, and reassuring and I don't know what I would've done if I didn't have the legal support that I was able to get along the years. They are super professional and really helped me get through this hardship in my life. I would definitely recommend!!!

Ivonne K.

Last year I contacted your law firm when I got into a car accident. the gentleman that handled my case, his name was Cesar. Cesar was very helpful and compassionate about my situation. He helped me get my car fixed very quickly and was super patient with me. He answered all of my questions and ensured me that everything will be taken care of. Once my case was settled I ended up getting more than I was expecting, which was amazing. I highly recommended Cesar and this law firm to anyone that needs help.

William Charlton

I was a client to the Law Brothers firm for about a year, the staff is really nice and professional. I would get updates on the case status and when I did call I would usually get a call back within 24 hours. I really appreciate the work that was done for me. I got the most out of my settlement and when I called to have a break down of the costs, Genesis was very patient and gave me a break down on all of it. I will definitely recommend this law firm to friends and family, as well as call them in the future if needed (hopefully not soon).

Erendira Landa

I had gotten into an accident and had no idea what to do. Friends and family recommended I get a lawyer since I was not at fault. I found this firm and I was beyond impressed. They handled everything for me from car insurance questions to finding doctors for me to visit. After my accident all I had to do was make appointments with various doctors to help with my pain. I give five stars because this firm went above and beyond and continued to follow up with me. I highly recommend if you are in need of a lawyer to use them.

Jacqueline D.

The team at the Law Brothers we’re amazing! I am not the kind of person to seek legal counsel, but I was hit by a car while riding a motorcycle and the driver’s insurance was avoiding my attempts to get reimbursed. They were able to not only get a settlement that replaced my motorcycle, but they found me physical therapy which was close to my work. Now I am back to where I was physically before the accident and I am able to ride a motorcycle again. They were always responsive to my texts, calls, and emails. They even would systematically check to see how I was healing and if the support they linked me to was satisfactory.

Charles Mortensen

This law firm is a team of miracle workers! The Law Brothers Law Firm saved me from suffering at another law firm from Century City. My case manager Jonathan was able to gather all the details from my accident ( literally within a week! ) and keeping me updated consistenty to keep me at ease. They work diligently and keep at it until your case is completed. I went through a car accident that almost took my life away but thanks to the higher power and the Law Brothers, you won't even hesitate to choose them because I felt trust and integrity throughout my case and I feel happier in my life, which in my opinion, matters the most at the end of the day.

Jason Avelar

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