Reader’s Question:

My husband and I have a business at home here in Los Angeles , California and we use car for its operations. Sometimes, we also use the same car for personal use. Which automotive insurance coverage should I get – commercial or personal – that guarantees an affordable insurance policy?

Eva

Los Angeles, CA

You are actually sharing the same dilemma with many home-based business owners in Los Angeles , California and even in other states who utilize automobiles in their business operations. While most home-based business owners choose to protect their entrepreneurial assets and they consequently subscribe for personal automotive insurance, affordability and security should be your topmost considerations. Your choice between commercial and personal insurance coverage have to depend largely on the chief function of your car in your home-based business. By doing so will guarantee you an affordable insurance policy.

If you often use your automobile for delivery services, you better insure your car with commercial automotive insurance coverage so that your business assets can be protected every time you will be involved in roadway collisions. This is beneficial to your business especially when you are at-fault in the accident. But when you are in a real estate business and you often drive your clients to distant estates chances are you will be compelled to get a personal insurance coverage.

Either of these insurance coverage, remember that insurance providers typically determine policy premiums on the travel distance your vehicle takes and the age, sex, driving records and claim history of the driver.

Tags: auto insurance

Reader’s Question:

My friend in Los Angeles , California , who is now a college student, would like to add his new car to his current insurance policy. She knew that the insurance company will consider her driving record if she will change her insurance policy coverage. In this case, what are the possible consequences of taking into account my driving record?

Matt

Los Angeles, CA

Most vehicle insurance companies there in Los Angeles , California find their chances to re-examine their clients’ driving records at times when these clients request to renew or change the coverage of their vehicle insurance policies. In your friend’s case, her driving record has direct effects on her premium rate. The point system that her insurer is using will be used to assess the points garnered by your friend from her previous traffic infractions. Consistent with the corresponding number of points assigned to each traffic violation, take note that the higher number of points compared to the points she has during her last update on her policy will mean a premium increase. If she never committed any traffic violation since her last renewal or change of vehicle insurance policy, there is nothing to worry about, so to speak.

If previously your friend has always been reprimanded because of, say for instance, drunk driving, she may be considered a high-risk client. Hence, she might be issued instead with drunk driver insurance, which is relatively an expensive premium. The key idea here is that the worse your record is, the higher the premium rate you may have.

Tags: auto insurance

Reader’s Question:

I have never been late on making payments for my car insurance here in Los Angeles, California but lately, I have been through financial difficulty. What could happen in case I am late on my car insurance payments?

Nelson

Los Angeles, CA

Even if you are only one day late with your payment for your car insurance in Los Angeles, California, your insurance provider could drop your policy and they will not necessarily reinstate your policy once they have your payment. Moreover, if your car insurance policy is cancelled, you could pay more on comparable policy or worse, have difficulty being insured. Every state has laws concerning the cancellation of your car insurance policy. A car insurance carrier would almost always have the ability to drop your policy on its midterm or non-renew it if you don’t make the payment on time.

On the other hand, most car insurance companies value you as their customer and would not cancel your policy if you are only a few days late. But some insurance providers may take advantage of that and kick you of their rolls if you are constantly late with your payments or if they decide that you are a risk and they don’t want to insure you anymore. If you have already passed the date of cancellation, an insurance company could ask you to pay the rest of the balance due for the full term before they reinstate your car insurance.

Tags: car insurance, car insurance policy

Reader’s Question:

My sister is looking at purchasing a liability coverage for her car insurance here in Los Angeles, California. What would this auto insurance coverage do for her in case she gets into an accident?

Tanya

Los Angeles, CA

Most states require any driver to have at least liability coverage for the auto insurance. This is probably the reason why liability coverage is the foundation of auto insurance policies in most states here in the US. If your sister gets into an accident and it was her fault, her liability auto insurance in Los Angeles, California would pay for any kind of physical injury and medical costs and for any kind of damage to the property of the other individuals in the accident. This would include the repair or replacement of the things she may have damaged during the accident.

But the liability coverage would not pay for any damage on your sister’s automobile, her injuries and/or her property damage. It would pay for the legal fees for her and also for anyone else who is included in her auto insurance policy. It would also pay to bail her out of jail if things get a bit testy at the place where the accident happened. Liability coverage would also pay for any kind of emergency help during the accident, such as an ambulance.

Tags: auto insurance, auto liability insurance

Reader’s Question:

I usually do things online because I find it comfortable to use. Now, I am also shopping for car insurance online to find affordable rates. What are the things that I need to know when looking for insurance quotes online for my car here in Los Angeles, California?

Paulina

Los Angeles, CA

If you are searching through the web to look for car insurance quotes, be sure that the website you use has the updated details about the car insurance company’s premium rates. You may find it very annoying to see a good auto insurance quote only to know that the services being offered and the given quotes by the insurer are already obsolete and no longer available. If you use a stable insurance provider that keeps their site and their car insurance quote calculating tools up to date, this could never happen. These car insurance providers are there to give quality service and they do their very best to make you feel right when you select them to provide you coverage.

You should keep several things in mind when you’re shopping for insurance online for your car in Los Angeles, California. You have to look through different quotes and review thoroughly the total premium amount, the level and quality of coverage and other things being offered. All of these have some importance on the amount every time your premium will be collected. Also, if you look at several quotes, you can be sure that you’re having the best possible car insurance coverage at affordable rates.

Tags: car insurance, car insurance online, car insurance quotes, car insurance rate

Reader’s Question:

My husband just got a classic car from his father in his latest birthday. Will we be able to get a discount on the auto insurance here in Los Angeles, California?

Paloma

Los Angeles, CA

Considering the fact that a classic car is not an everyday car, most car insurance providers realize that these cars would not cost them as much as other cars. Because of that, they would be kind enough to give your husband a discount on your classic car insurance in Los Angeles, California. He could even find an insurance carrier that would offer him ‘agreed value’ coverage. This kind of car insurance policy would cover the full insured value of the classic car in case anything happens to it. The ‘agreed value’ is different than the standard car insurance policy. The actual cash value is the amount in replacing the car less the depreciated value that the insurance provider has determined.

Your husband wouldn’t have to worry about having an appraisal for your classic car with most car insurance providers unless the car that he has is very rare and very expensive. If he already has insurance for his regular car, it won’t hurt him to ask his insurance agent if he can have any other type of discount on his classic car insurance.

Tags: car insurance, car insurance discounts, classic car

Reader’s Question:

I have to take care of my auto insurance now after my drunk driving conviction here in Los Angeles, California. How will the insurance company handle my policy if they find out about my DUI?

Kevin

Los Angeles, CA

You have faced penalties such as fines, driver’s license suspension or revocation and possibly, jail time when you were convicted for DUI in Los Angeles, California. You are also facing other consequences and one of them is your auto insurance problems. Because of your drunk driving conviction, you are considered to be a high risk for auto insurance providers. To keep your automobile/s covered and to protect themselves, they usually cancel or raise the premiums for people convicted for DUI. When you apply for a new policy or once in three years, insurance providers normally check your driving history.

It is possible that your drunk driving conviction could escape your auto insurance provider’s attention. However, if they find out about it, they usually handle it in one of two ways. They could raise your insurance rates and tag you as a high-risk driver. They can also just decide to cancel your insurance policy or non-renew it. In any case, you can always shop around for the best auto insurance after your DUI and you may very well start by getting a quote from this website.

Tags: auto insurance, auto insurance quotes, drunk driving insurance, DUI, DUI conviction

Reader’s Question:

My husband got a DUI here in Los Angeles, California and I wonder if we could still get auto insurance. Could you help me how to get insured after my husband’s DUI?

Daria

Los Angeles, CA

After your husband’s DUI in Los Angeles, California, your auto insurance policy could be under legal threat. The first thing that you need to do now is to contact your auto insurance agent and tell them about your husband’s DUI. You also need to go over your policy clauses because it would most likely have your husband added to it. You can tell you auto insurance provider that you’d want a review of your current insurance policy.

You may also ask to exclude the name of your husband from the current auto insurance policy. Some US states have mandatory laws regarding the insurance of married couples. Normally, they require adding the spouse so you need to check if you are eligible for exclusions in California. You also need to be sure that your husband doesn’t drive the vehicle under the renewed auto insurance policy with the exclusion because you would not get coverage under any conditions. Be prepared to pay higher insurance rates on your current policy if you are not eligible for exclusions.

Tags: auto insurance, drunk driving insurance, DUI