When it comes to saving money on car insurance, there are some obvious things that will help you out. As I’m sure you heard before, it always makes sense to get more than one quote. That way you can compare the rates from different companies and save. But there is a lot more that will help besides just comparing rates.
Did you know that California has set up laws for auto insurers? These laws are meant to protect drivers from fraud and abuse by insurance companies. The state of California is one of the best states when it comes to protecting its drivers from fraud and abuse from insurance companies.
One recent law to help consumers save is Proposition 103. Proposition 103 was passed in 1988 to change that, but went into affect July 14, 2008. The law states that that auto insurance companies must provide you quotes based on your driving record, not your zip code. Previously, drivers paid their premiums based on their location. So you could have been a better driver (and lower risk) than someone a mile away, but you would have had to pay a higher premium based on your zip code.
Another law meant to protect drivers in the state of California is Assembly Bill 2677. This law was passed in 2005 and says that auto insurance companies in California must provide drivers with the lowest rate available to them. If they do not show you your lowest possible rate, they are violating the law. Be sure to always ask to see the lowest rate available to you.
California has also regulated the rates that insurers can charge to drivers. Recently California mandated that Allstate must lower its insurance rates by 15.9%. Allstate covers roughly 10% of all California drivers, so the mandate was a huge win in helping California drivers save even more on car insurance.
Another benefit to California drivers in need of cheap auto insurance is the California Low Cost Auto insurance program (CLCA). This program is a minimum coverage insurance that helps drivers in dire economic circumstances get affordable car insurance. Through the CLCA drivers can get insurance for as low as $400 a year.
The more you know about auto insurance laws in California, the more educated you will be on your rights as a consumer. Knowing your rights will help you save money. Of course, don’t forget to compare your rates.
California Laws to Help You Save on Car Insurance
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First Stages of the US Federal Law
January 31st, 2011During 17th and 18th centuries, all colonies of Great Britain had a Constitution or an organizing Royal Charter. As soon as in 1776the United States became an independent country, thirteen states approved their specific constitutions, while the other two, Connecticut and Rhode Island, stayed under the imperial charters. According to the legitimate governments contract theory which was created to give explanation for English revolution of 1688, people of the United States trusted that there was a definite necessity to both limit and define the powers of legislative branches in Constitution. That way, the major importance on written form of Constitution was embedded in legal practice of England, while the necessity for Constitution was a result of the recently received independence.
The major advantage of English legal system was the privilege not to be taxed with no complaint in the taxing legislature and that factor was absent in the United States. Such rights became protected in America only in 1776; nevertheless, the assertion on addition of them to the Declaration of Independence finally made them essential to U.S. society’s basic rights.
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