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Before you buy car insurance make sure you know what you re getting into. Quotes are available from every company that provides car insurance, and you WILL get wildly varying prices from different insurance companies.

Here are a few things to watch out for when buying car insurance:

Price - Make sure you know the price the company is quoting you.

Term - Make sure you know what the time period of the price is for. Often a quote will be for a year, but sometimes to make something look cheaper a quote will be for a 6 month period.

Limits - Know the limits on your policy. There are two sets of limits which are the amount per person and the amount per accident. The legal limits vary by state and are very different, so make sure you disguss this with your insurance agent before buying. There is nothing like buying insurance and being under-insured.

Deductable - You can often get your price lowered if you raise your deductable. However, the higher the deductable, the less (more...)

If you re without car insurance in Los Angeles you may now also find yourself with a hefty fine. Carrying a minimum of liability car insurance is mandatory in California but many drivers choose to go without it. In fact, there are more than twelve million drivers on the road in California and nearly one fourth of them are uninsured. But beware, getting by without car insurance on Los Angeles streets is going to be a little trickier now.

Being caught at the scene of an accident or at any sort of traffic stop without proof of car insurance has been cause for an expensive ticket for several years. Not having insurance at all can result in having your license suspended for a year. Once the suspension has been lifted an affidavit of Social Responsibility (SR-22) will have to be filed with the California State Department of Motor Vehicles in order for you to receive car insurance. This document attests to the fact that you carry the mandatory minimum car insurance on your vehicle. There is a fee i (more...)