In general, however, if you are over 25, chances are your driving record will not be as closely scrutinized as when you were younger. While one citation may have a negligible effect on your premium, the danger lies in your risk of receiving a second citation. At that point, your insurance will increase substantially. That is why it is simply a good practice to keep your driving record clear of any violations.
Q: I never really understood how car insurance works. Does car insurance cover the car or the driver?
- Ursula Grover, Rialto
A: The "liability" portion of your insurance covers the driver, the "comprehensive" and "collision" portions of your premium cover the car.
In California it is a requirement that drivers have at least the state minimum of liability insurance so that they are covered if they injure another person or person(s) or damage another person's property while driving. Liability insurance will cover a driver even if the driver operates different vehicles, as long as the vehicles meet coverage guidelines.
Optional comprehensive and collision insurance cover the vehicle itself and will only cover the vehicles specified in the policy.
1 comments:
May 21, 2012 at 2:33 AM
Speeding ticket do affects a lot and can increase the insurance policy amount. Its a good practice to maintain a positive driving record to have the benefit of cheap insurance policy.
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