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Important Things to Consider When Renewing Your Auto Insurance in Long Beach

According to the California Auto Insurance Code, all citizens who own or drive cars in the state must get auto insurance

According to the California Auto Insurance Code, all citizens who own or drive cars in the state must get auto insurance. Without liability insurance, citizens can either lose their license, car, or be fined.


Auto insurance usually expires depending on the policy’s effective date, while the policy period is typically annual or bi-annual. When your car insurance is about to expire, you can either extend the insurance plan with the same insurance provider or choose another insurance company that offers more benefits. A professional insurance agent can further help you make this decision. 

 

Section 663(a) of the California Insurance Code states that all insurance companies must notify their clients about their insurance expiry date, 20 days before expiration. This notification should also include a verbal or written renewal offer, should the client choose to remain with the same insurance company. 

Making a timely decision about your auto insurance renewal can help you plan for the next year and save you from unexpected financial losses. Here are some things you should take care of when your auto insurance is about to
expire. 

A Reasonable Quote

Most insurance companies introduce benefits and affordable insurance plans around the new year. So, it’s never a bad idea to start exploring all the options available in your area. You should get at least three quotes to compare and decide.


Find out whether the company’s plans fit your vehicle’s needs. If
you’re located in California, our agents can provide you with affordable quotes
for
auto insurance Long Beach. Learn more here

Insurance Type

There are six types of auto insurance. The type you go for depends on your vehicle’s needs and the risks it’s exposed to. While California Law made it mandatory to have third-party liability insurance for your car, you have the liberty to choose from collision, comprehensive, or a basic car insurance policy.


woman driving a truck

Choosing Add-Ons

Add-ons are the extra coverage options you may want to add to your auto
insurance policy. While they’re not necessary, they provide extra
coverage for your automobile. You’ll be required to pay an additional amount for add-ons like sound-system coverage, engine coverage, and invoice-protection coverage.

Discounts

Always check with your insurer if and when you’re liable for discounts. Check
the number of discounts that insurance companies provide before purchasing insurance. According to the Automotive Research Association, you’re eligible for insurance discounts if you have an anti-theft device installed in your car.

Similarly, companies offer old-age benefits and student discounts on auto insurance policies. Some insurance providers may also help you negotiate a deal when you are getting multiple cars insured. 

It is crucial to consider all the points mentioned above before renewing your auto insurance policy. Let us, at Global Guard Insurance, help you find the perfect insurance plan. Connect with our agents here

Find out whether the company’s plans fit your vehicle’s needs. If you’re located in California, our agents can provide you with affordable quotes for auto
insurance Long Beach
. Learn more here.

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