You may wonder what types of things play into the rates that you get from agents of auto insurance in Orange County, CA. Most states require that you have at least liability insurance on the vehicle that you drive and if you are caught driving without it you could receive a hefty fine. Also, if you are driving a car that is being financed by a lender, they will require you to have full coverage insurance on that car until it is paid for.
One thing that will affect the rate of your auto insurance in Orange County, CA is the type of vehicle that you purchase and this includes the make and model of the vehicle. Your rates can also be affected by your age and your sex and if you are 25 years or older then you will generally pay less for your auto insurance. You can also help to keep your rate low by having a clean driving record. If you have several traffic tickets or have been in an accident that you caused or especially if you have had a DUI, your insurance rates could be quite high.
If you simply purchase liability insurance, which will cover damage as well as injuries that you may cause, then your premium will be quite a bit lower, but you can also choose full coverage which covers the cost of damages and injuries to not only your car, but also to someone else’s car that you may have damaged and it also protects you from uninsured as well as underinsured motorists. Be sure to call your agent for auto insurance in orange County, CA to check into the costs involved in your insurance rates. Click here to learn more.