It is important to compare rates before purchasing an insurance policy. Insurance companies offer different rates based on the risk. Every driver is different and has a different situation, you will be able to find quotes a lot cheaper with the right carrier for your specific situation.
At Direct 2U Insurance we work with over 40 different carriers, one of the best ways to save money is by comparing rates. We can place you with the company that better fits your budget and needs.
Here are some of the most common insurance coverages that Californian drivers choose when purchasing insurance.
Full coverage is usually referred as a policy that has liability insurance + comprehensive and collision coverage. You can also add Uninsured Motorist to this policy and the price will not change much. As insurance experts we always recommend for you to include this coverage.
There are specific things that insurance companies use to rate your insurance.
Driver: age, experience and driving record.
Driving record: will include and won’t be limited to tickets, accidents, suspensions or any type of insurance claims.
Vehicle: for example, the cost of repair, the type of vehicle, size and performance are a few of the things that an insurance company will consider when rating.
Vehicle use: If your car use for personal or business will also be considered for your rates, as well as where is it parked.
Rideshare insurance is a special add on your policy when driving for Uber, Lyft and similar services.
It fills the insurance gaps between your personal policy and the coverage provided by rideshare companies. (Uber and Lyft).
There are different stages when driving rideshare
Most of insurance carriers will offer you coverage only when your app is off.
The Rideshare company will offer you coverage once the passenger is riding with you in the vehicle.
The rideshare coverage will be covering you when your app is on, but you have no passengers in the vehicle.
SR22 is a policy that provides financial responsibility and that usually the DMV requires if your driver's license is suspended or revoked, you have a DUI conviction, driving without insurance or other problems on your driving record.
You can also get a non-owners policy if you don’t own a car and you will be driving someone else’s car, but if you drive a vehicle owned by someone else in your household you should be added to their insurance policy.
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