Is it true that going to Driver’s Ed. Will give me discounts on my car insurance? If so, what kind of classes should I look for here in Los Angeles, California?

Raymond

Los Angeles, CA

Yes, Accredited defensive driving schools and institutions can definitely qualify you for some discounts towards your auto insurance rates there in Los Angeles, California. Now the amount and duration of the discount you get will vary between states but the aim is generally the same. The safer the driver you become, the less the chance of you filing for an insurance claim and the less expensive for the insurance company to provide you further auto insurance coverage, thus the savings are passed on to you.

Defensive Driving Courses or Lessons can usually be taken with your State Department Of Motor vehicles but then again there are a lot of local accredited schools in your area that you can choose as well. These courses are offered to the general public, without any virtual limitations on the students age. Once you get your certification, call up your insurance provider so they can process applying the discount immediately.

You should still get in touch with your insurance provider before you undergo such classes though. Each Insurance provider will have their own rules or policy on how and when you will be receiving the additional discounts on your car insurance premiums. You should get at least three years worth of discount with most auto insurance companies. Some can add the discount immediately while others might insist adding it at the end of your insurance term so get the details first to know what you will be expecting after taking the said classes.

Tags: auto insurance online, auto insurance premium, car insurance company, car insurance discounts

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.

I heard my mom and my sister talking about getting an SR22 auto insurance or something like that. I kinda have an idea about it but I don’t really know exactly what it is. Is this one required after my sister’s DUI charge here in Los Angeles, California?

Harriet

Los Angeles, CA

Yes, Harriet, an SR22 auto insurance is required after your sister’s DUI charge in Los Angeles, California. This form would be an agreement between the Department of Motor Vehicles (DMV) and the insurance company which states that they are providing the required coverage for your sister. This also means that if for any reason the insurance company is no longer providing the coverage for her, they would have to notify the DMV about it. If this happens, the DMV could suspend her driving privileges again for not maintaining the required high risk auto insurance coverage.

So the SR22 auto insurance could be basically considered as a contract between the DMV and the insurance company. The first thing that your sister should do is to work out a deal with her insurance company if they could be able to provide her the SR22 auto insurance. If they can’t file the SR22 form for her, she would have to seek out other insurance company that could provide her the necessary coverage. I recommend that she get an online rate quote for her SR22 auto insurance directly from this website.