Cheap Car Insurance Riverside

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City of arts and innovation, Riverside is located about 60 miles east of Los Angeles. It was named for its proximity to the Santa Ana River and is the 12th most populated city in California. Because it is such a large city, it’s important to compare all the options for cheap car insurance that Riverside can offer.

Recommended Insurance Coverage in Riverside

Because auto theft and property crime is so high in and around all metropolitan areas, Comprehensive Coverage is highly recommended. This covers your vehicle for damage resulting in anything other than collision, including vehicle theft, vandalism, glass breakage, and damage resulting from natural events (if a tree falls on your vehicle for instance).

Uninsured Motorist Coverage is also recommended state-wide, because of the high number of drivers who can’t or don’t purchase auto insurance.

Also, because vehicle values in big cities are significantly higher than the national average, drivers are advised to carry increased liability limits. State law only requires $5,000 for Property Damage Liability. If you hit a car like a Mercedes or a BMW, $5,000 is far from adequate to cover most damage.

17562765 - sunset trees silhouette at chino hills state park, californiaTips For Finding the Right Insurance

The first and best tip when purchasing car insurance is to compare the rates of multiple companies.

If you receive an insurance quote from a company you have never heard of, it doesn’t mean they aren’t reputable. The best way to be sure you are with a financially strong company is to check with one of the financial/credit rating companies like A.M. Best or Moody’s. There you can quickly look up an insurance company’s financial rating and determine whether you want to do business with them.

Of course, as we all know, keeping your driving record clear, avoiding accidents, and always driving safely, remain the most effective ways of keeping your car insurance rates low. Keep in mind there are plenty of discounts available that many consumers don’t think about. Did you know that being a member of a Credit Union will usually give you a discount on your insurance? Many occupations will give you a discount as well, so be sure to ask if your job or your education level qualifies you for a lower price.