State Auto Insurance

By Elijiah Rampart

If you live in the state of California and you drive a vehicle then by law you must have auto insurance. Not just any insurance, but you must have at least fifteen thousand and thirty thousand in bodily injury coverage, and you must also have five thousand in collision coverage as well. Here are a review of some of the better insurance offices here in Bakersfield that we can recommend.

Personal Express Insurance – This local company offers low rates with a local advantage. They have been in business in the Bakersfield and Kern County since 1984 and know they area and the types of risks to be aware of. They offer to you monthly payment plans and multiple policy discounts. If you quality you may also get a safe driver and good student discount as well. They also offer other types of insurance that may qualify you for a multi line discount. You can call them any time for a free quote, or come in to their office for a visit.

Charpetentier Insurance Services – This is a family owned business that has been providing outstanding service for decades now. They claim to have the lowest rates in Kern County or they will give you your first month of coverage free. You have the option to buy online at their website or come in to the office and meet with them. They offer low monthly payment plans, SR 22 filings on the spot, bad credit accommodations, make payments by phone, and auto insurance for trips to Mexico. You can call them any time for details and a fast and friendly quote.

Agent Doug Thompson, Sillect Insurance Services – Here you can find the personal attention you desire from an individual agent who is knowledgable and well qualified. Doug promises that he will either meet or beat any verified personal auto insurance basic liability premium or you will get your first month of coverage free paid by him. You can visit him online or come in any time to visit and get your free auto insurance quote. He also offers a one stop service to get your state smog certification, tags, and insurance all at the same time. Continue Reading

By James J. Robinson

It is very important to conduct a thorough auto insurance review when trying to find out which insurer will be the top car insurance company to meet your specific needs. Auto insurance companies throughout the nation provide essentially the same products. Some do offer slightly different policy options, but because there is regulation in auto insurance, there is little actual difference from a policy at one company to another. However, the companies themselves can differ greatly. Some are more financially stable than others, some do better at customer service, some have better prices with more discounts available and still others are better at claims handling.

Financial Reviews Of Top Car Insurance Companies

Doing a review of insurance companies is very important if you are in the market for car insurance. The most important thing to review is the company’s financial stability. This can easily be done by finding out the rating the insurer was given by one of the major independent insurance ratings companies like Moody’s, A.M. Best or Weiss Ratings.

Below is a review of several of the top car insurance companies in the country in regards to their financial stability. The rating given by A.M. Best is beside their name. All these companies received ratings that are considered to be financially stable with a positive outlook for the future. This indicates that they can be expected to be able to meet their financial obligations and be around for quite a while. Continue Reading

By Michael F. McDonough

On a scale from one to ten, how savvy would you say you are when it comes to your auto insurance? A three? A five? A full-scale ten? If you know your way around your insurance requirements then you already know how incredibly important it is to know the ins and outs of your state’s requirements before you decide to go shopping for auto insurance quotes!

Knowing your state’s minimum requirements is a vital step in stopping your bank account from being slurped into oblivion if you happen to get in an accident. Why? Because most states have a liability requirement to help you out if you happen to get in a fender bender so that you’re not trying to dig tens of thousands of dollars out of thin air to pay for the damages. Knowing your state’s requirements will also go a long way toward keeping you from getting slapped with a hefty fine if local law enforcement finds out you’re driving uninsured!

With that in mind, we’ve put together a quick table to introduce you to your state’s minimum liability requirements and help you keep three steps ahead (and well out of harm’s way) the next time you decide to go shopping for auto insurance quotes.

(A quick guideline: These requirements are in A/B/C form, where A=minimum bodily injury liability per person, B=minimum bodily injury liability per accident, and C=minimum property damage liability per accident.) Continue Reading