Do you need auto insurance coverage but can’t find the rate you can afford? At Judy Davis Insurance, Inc. we are committed to helping you look into several options that will fit your budget. We serve the residents of McKinleyville & Fortuna, California.
If you want to get more than the minimum auto insurance coverage but you’re on a limited budget then it’s best to check first if you’re eligible for some of the standard discounts like the following:
Good Driver Discount
California requires insurance companies to provide a 20% discount to drivers with a good driving history. And by “good,” the California law means you’ve had your driver’s license for 3 years; during those 3 years you haven’t had more than 1 point of violation in your record; you’ve never been asked to go to traffic school because of any violation; and you’ve never been found as the liable driver for any road accident.
Some other things that can help you lessen your premium rate are:
- Having 2 or more cars and insuring them all under one company.
- Your age wherein if you’re 55 years old and above, you are eligible for additional savings.
- The type of car you have such that expensive cars tend to call for higher premium rates.
After your initial evaluation to see if you qualify for these discounts, the next best move is to get a quote. This is the only way you’ll really know if the rate is within your budget.
That said, if you live within McKinleyville, CA and the other areas mentioned above, we invite you to visit our office or call or email us and we can start finding that policy that fits your needs and your financial capacity.