Best Local Car Insurance Agencies in El Monte

Frequently Asked Questions

• Introduction

  A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.
  

• What is the Good Driver Discount, and how can you qualify in El Monte?

  Under California Code Title 10, Section 2632.12, all auto insurance providers in El Monte should provide discounts for good drivers. The discount will cut your insurance rate by at least 20% lower than the rate for non-good drivers. To be a good driver, you must have continuously held a driver’s license for the past three years and have, at most, only one violation point on your driving record. This is according to California Insurance Code Section 1861.025.

• What is the benefit of getting the optional medical payments coverage (MedPay) if your car insurance policy in El Monte already has bodily injury liability and uninsured motorist coverage?

  The benefit of MedPay coverage in El Monte is that it covers medical expenses for your car accident-related injuries, regardless of fault. Additionally, it is applicable if you are a pedestrian hit by a car, and it covers your family members and other passengers. Bodily injury liability only covers the medical expenses of third parties when you are at fault. Meanwhile, uninsured motorist coverage only pays for your medical bills when another driver is at fault.

• Can your car insurance agency in El Monte cancel your policy when you only missed one premium payment?

  According to California Auto Insurance Law Section 8.7 B, auto insurance companies are allowed to cancel a policy that has been in effect for over 60 days on the grounds of premium non-payment. The cancellation should not be a surprise. Your El Monte insurance provider is legally mandated to send you a written notice at least 10 days before the cancellation’s effective date.

• Is it necessary to notify the El Monte DMV if you will not be driving your automobile for an extended time and wish to terminate your auto insurance policy?

  Yes. The El Monte DMV must be notified, and an Affidavit of Non-Use must be submitted before canceling your insurance. Otherwise, your car’s registration will be suspended due to a lack of insurance. If the non-use of your vehicle lasts longer than you planned and its registration is near expiration, you can replace your car’s status from ANU to planned non-operation. You may also have the option to pay renewal fees to keep the registration active.

• How will your involvement in a car accident in El Monte affect your auto insurance premiums?

  California recognizes comparative negligence, so if you were not at fault for the El Monte collision, it should not affect your premium. However, if your fault in the accident is 51% or more, expect your premium to increase upon policy renewal. The insurance price hike for California drivers with at-fault accidents is 69%. Note that car insurance agencies are only allowed to consider accidents that occurred within the previous 36 months when pricing your insurance.

• What is car insurance?

  Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.