If anyone has just bought a new car, or is thinking of doing that, then the next thing that they have to be concerned about is finding cheap California auto insurance.
The only way to go is to compare auto insurance from several different companies to see which is offering the service that will best suit the individual.
This can sometimes get a little confusing so having somewhere where several companies can be compared side by side is a real benefit to the individual.
Some companies have come up with a clever plan to advertise only those companies who offers a policy to cover car owners.
They list many different carriers and their general policies can also be viewed online.
Then all the individual has to do is choose which ones they want to look at and start the elimination process for them selves.
One thing to look out for when choosing which carrier is best for the individual is what kind of bonuses they offer for complying to their rules and regulations.
For example, if the individual does not claim against the policy for one year then the following year there will automatically be a discount on the premium.
The same goes for the second year and so on until they get the maximum discount which turns out to be very economical indeed.
Very often these 'no claims bonuses' as they are called can be transferred from one carrier to another if all the requirements are met.
In this way, people are coerced into not making frivolous or unnecessary claims against the carrier for petty damage that could have been fixed quite easily.
Indeed, many will go that extra mile not to lose their bonuses.
The other thing to look for, particularly in the fine print, is exactly what is covered in the case of accidents which mean that the car cannot be driven any more.
'Loss of use' clauses usually mean that a car can be hired, at the expense of the carrier, until the car which had the accident is back on the road again.
If this clause is not included then the individual may get stuck without transport or facing heavy hire bills until they get their own car back.
Considering how mobile the general population is today it would be hard to carry on a normal life without the use of a vehicle so this loss of use clause may play an important role in the decision to choose this carrier or that one.
Consider what would happen if the car was damaged and not safe to drive.
Although the policy without the loss of use clause may appear to be a better bargain because it saves a few dollars a year, in the end it may prove to be very expensive indeed for the owner who has to foot his own bills for an extended period of time.
Whichever carrier is chosen, the ease of looking at them all side by side is certainly a great tool when it comes to purchasing a policy.