You Can Get an SR22 Filing without Getting Insurance

An SR22 filing is basically an endorsement on your auto insurance policy that’s filed with the DMV to let them know that you have a current and active policy.  Since an SR22 filing is an endorsement on your  policy, it cannot be purchased on its own.

You Can Cancel Your Insurance Once You Get Your SR22 Filing

Many people believe that once you get your SR22 and get your license back, it is safe to now cancel your insurance policy.  This is not true, since an SR22 is a way for the DMV to ensure you carry an active policy, companies are required to report any cancellations of policies that have an SR22 filing attached.  This is done in the form of an SR26 that is sent to the DMV immediately after the cancellation of a policy.  The DMV will once again cancel your policy pending an active SR22 policy along with another driver’s license reinstatement fee that varies state to state.

SR22 Insurance Costs More Than a Conventional Policy

The fee for an SR22 is usually a onetime filing fee of about $20.  Other than that, there is no additional cost to have the endorsement on your policy.  Now remember that you will get charged for the violations or suspension in which the filing is required for but it would have been the same cost as if you had the same violations but didn’t require an SR-22 policy.

You Get Charged Every Month for Having an SR22 Filing

You do not get charged each and every month.  The filing fee charged is a onetime charge per policy and may be charged for each subsequent renewal of the policy term but there is not a recurring monthly fee.

If You Don’t Have a Vehicle Then You Can’t Get an SR22 Policy

If your license got suspended and you need an SR22 Insurance policy but don’t own a vehicle then you can purchase a Non Owners SR22 Insurance policy.  This type of policy will be sufficient to get your license reinstated.

You Need to Have Full Coverage to Have SR22 Insurance

This is not true; an SR22 is a way for the DMV to make sure that you are financially responsible towards those driving on the road with you.  Since you have had some violations that make the DMV consider you a higher risk, they want to make sure that if you do happen to cause an accident that those you hit are covered.  With that being said, liability is all you need to obtain an SR22 filing form.

OnGuard Insurance is a provider of low cost SR22 Insurance.  You can get instant SR22 Insurance Quotes in just 3 minutes online or by calling (888) 99-QUOTE.

Best Practices for Finding Cheap Car Insurance

With money being tight these days, we’re all looking for ways to make a dollar and sometimes the best way to make a dollar is to save a dollar.  With the cost of auto insurance rising, saving money on car insurance can prove to be lucrative so I’ve compiled a list of some of the best practices on finding cheap car insurance.

Shop Around

Every insurance company has actuaries who determine rates based on many factors such as age, driving experience, zip code, vehicle, coverages and more.  Since each company determines their own rates on multiple factors, there are millions if not billions of rate effecting combinations.  These actuaries can never be perfect in determining the exact rate each person should pay so the more you shop around, the more likely you are to find a company that is underpricing your insurance.  If you and I were to shop 3 different companies, chances are that the same company will not offer both of us the best rate.  Companies also have their niches that they concentrate in being competitive and will often times out price themselves if you don’t fall in their desired client base.  Also, competition drives down prices so shopping around will ensure that you take advantage of this.

Combine Household Vehicles

Almost every company will give about a 20% multi vehicle discount if there are at least 2 vehicles on a single policy.  Too often, people in the same household, even husbands and wives, will purchase separate policies to better track their expenses.  This is just as good as throwing money in the trash because each one will be paying an additional 20% for auto insurance so it is highly recommended to combine policies.  Most companies will allow all vehicles garaged in the same house to be on one policy even if the people are not related, such as roommates living together.

Separate Household Vehicles

I know, this is the exact opposite of what I just told you above but hear me out.  Let’s say you have a Porsche, your significant other has a Range Rover and your 16 year old son has a Kia as his first car.  If you bought a policy all together the insurance company may rate the highest rated driver with the highest rated vehicle so you’ll be paying for your son to be insured on the Porsche even though he never drives it so sometimes it is better to separate policies.  In this case, it would probably be best for you and your significant other to have a policy for the Porsche and Range Rover and for your son to have a separate policy for his Kia.  Please note that your son would not be covered and must be excluded from your policy.  You and your significant other could be added to your son’s policy which wouldn’t cost anything more since the company will rate him on the vehicle since he is the highest risk.

Apply All Discounts

Most insurance companies offer discounts for a variety of things so be sure to ask for a list of all available discounts offered by your company.  Actuaries study everything and anything available to them to determine a risk.  For example, there is a company that determined anyone with a AAA membership is a much lower risk and they offer a 20% discount for all members.  Sometimes you can even take steps to add discounts that you aren’t even eligible for now.  There are also discounts for your profession, your education, your good student and much more so be familiar with the discounts available to you and take advantage of them.  Putting together some of these discounts make it real easy to find cheap car insurance.

Get Correct Coverages

The coverages and limits you purchase play a big role in your auto insurance premium.  Although higher and more coverages are always better and recommended, sometimes you don’t need to over insure yourself.  If you’re looking for cheap auto insurance, don’t pay for coverages or higher limits that you don’t need or want.

OnGuard Insurance is a provider of cheap car insurance by offering a variety of auto insurance companies to choose from.  Simply enter some basic information and you’ll get a list of cheap auto insurance quotes listed in order of price.  Compare, choose and save, save big!

]]> http://www.onguardinsurance.com/feed/ 0 http://www.onguardinsurance.com/ http://www.onguardinsurance.com/#comments Thu, 13 Oct 2011 19:11:27 +0000 admin http://www.onguardinsurance.com/?p=2891 What Is SR22 Insurance?

SR22 Insurance isn’t actually a type of insurance, it’s simply auto insurance with an SR22 Filing Attached.

What Is an SR22 Filing?

SR22 Filing is an endorsement on an auto insurance or a non owners auto insurance policy.  It’s a form that is filed with the DMV by your insurance company that let’s them know that you are carrying the state required liability insurance.

Why is an SR22 required?

An SR22 is required by the Department of Motor Vehicles in order for a particular individual to be allowed driving privileges.  The DMV will require an SR22 for individuals that pose a high risk to motorists.  In most cases, an SR22 is required for an individual that has been convicted of driving under the influence or if someone gets into an accident while not insured.  It’s mainly a way for the DMV to insure that a high risk drivers carries auto insurance to protect the general public.

How long is an SR22 required for?

An SR22 endorsement on your policy is usually required for a term of 3 years, after which the SR22 Filing will no longer be required and the endorsement can be removed from your policy.

How Much is SR22 Insurance?

Since SR22 insurance is just a filing attached to your auto insurance, the cost of an SR22 policy is the same as the cost of an auto insurance policy plus about a $20, one time, filing fee.  Other than the fee to file an SR22, no other additional costs are associated with having an SR22.  However, the reason you need an SR22, such as a DUI, will affect your rates.

What happens if my SR22 insurance is cancelled?

While you’re in the 3 year period where an SR22 is required, if your policy that has the SR22 filing is cancelled for any reason, the DMV will again revoke your driving privileges.  In this event, you must obtain an SR22 policy again and also reinstate your license with the DMV including paying the DMV reinstatement fee which is usually around $55.  If you have a lapse in your policy due to a late payment, your SR22 may be cancelled and your driving privileges may be suspended once again.

What companies offer SR22 insurance?

The best way to find SR22 Insurance is to simply type in “SR22 Insurance“, or “SR22 Insurance Quotes” in a search engine that will provide you results of insurance companies offering SR22 Insurance.  It’s recommended to shop around 3 companies to ensure you’re getting a competitive rate.

OnGuard Insurance offers low cost SR22 Insurance and instant online SR22 Insurance Quotes.  Get rates of multiple SR22 Insurance providers displayed instantly online or call (888) 99-QUOTE to speak to a licensed agent.

1. Check with your current insurance company – Many insurance companies these days will add an SR22 filing on top of your current insurance policy for about a $20 filing fee plus the increase in insurance due to the violation the SR22 is being added because.  Adding it to your current policy is usually the most affordable way to go.  Call your company and ask for a quote to add an SR22.
2. Get quotes from Insurance Agencies in your state – Insurance agencies or brokers are often times the cheapest way to go.  Many of the insurance companies that specialize in SR22 insurance are usually the smaller ones that don’t advertise and use insurance agencies and brokers to distribute their product.  An insurance agency usually works with about a dozen of these companies and is able to instantly display the rates of all their companies at once.  Since an insurance agent has the ability to choose the lowest rates from multiple companies specializing in SR22 insurance, this avenue is probably going to be the one that saves you the most money.  Many insurance agencies now offer instant online SR22 insurance quotes which can help save you time as well as money.
3. Shop Around – Search the terms “SR22 insurance” and “SR22 insurance quotes” to find companies offering this type of coverage.  You can also shop with any of the companies you have in mind and simply enter your driving history and that you need an SR22, if the company will not accept you, most of their websites will let you know and you can always call them to double check.  When requesting quotes, be sure that you enter all your violations including suspensions to get an accurate quote.  Remember, a company may be the cheapest if you have one violation but that same company may be the most expensive if you have two violation so be sure to enter correct information.  If you choose a company and they inform you that your driving history turned out to be different than what you thought, shop around again with that information as everything has changed now.

Once you’ve completed these three steps you should have enough information to make an informative decision.  Be sure to read the reviews of the company you’re considering to make sure they live up to your expectations.  OnGuard Insurance is a reputable agency offering competitive rates and instant, online SR22 Insurance Quotes.

First of all, what is high risk auto insurance?  High risk auto insurance is referred to as the “Non Standard Market” in the insurance world.  It’s basically a person who has two or more points on their driving record over the past three years.  Points are counted as one for a minor violations such as speeding or stop sign and two points for major violations such as DUI or racing.  An accident is counted as one point if it was at fault with no injuries, two points if it was at fault with injuries and if an accident is not your fault then it doesn’t carry any points.

If you happen to have two or more points on your driving record then finding a company could become challenging.  Many of the insurance companies prefer not to insure a high risk driver for the obvious reason that it’s simply a higher risk for them.  However, given the high demand for this market, there are many insurance companies that specialize in high risk auto insurance only.  Many of these insurance companies work through auto insurance agencies to cut costs in order to provide affordable rates for high risk drivers.  An insurance agency basically enters your information in their rater and instantly gets the rates of multiple companies displayed in order of price.  Once you’ve agreed to the price the agent can write that policy for you and get you set up.  Many agencies now offer online auto insurance quotes that displays multiple rates at once.

The easiest way to find low cost High Risk Auto Insurance is to simply shop around.  With the Internet, shopping for Car Insurance has never been easier.  Most reputable companies these days offer instant online auto insurance quotes and to see if they will take a high risk driver simply enter your violations and their website will let you know.  It is recommended to shop at least  three to five companies before making a choice.  Try to check with at least one insurance agency as you’re most likely to find the lowest quotes there.  Lastly, before you choose, read their reviews.  Make sure the agency you’re working with has a good history of service and you’ll be happy to have an agent by your side.

OnGuard Insurance is a California Insurance Agency and a leading provider of High Risk Insurance and provides instant online High Risk Car Insurance Quotes.  Get a quote in just 3 minutes online or call (888) 99-QUOTE.

Non Owners Insurance is basically an auto insurance policy without the car.  It’s written through an auto insurance company very similar to the way a conventional auto insurance policy is written.  It’s designed for those who need or want to have insurance but don’t own a vehicle.

Why would one need an non owners policy?

Typically, a person would need a non owners policy if they have a need or want for an auto insurance policy but don’t own a vehicle.  Say if you occasionally borrowed other peoples cars and wanted to be protected, this type of policy would suite your needs.  The most common reason a person purchases a non-owners policy is because they are in need of an SR22 filing to reinstate their license after receiving a DUI but don’t own a vehicle.  In these situations, one can purchase a non-owner’s policy with an SR22 filing attached; this would accepted by the DMV as a valid policy and driving privileges can be reinstated.  Sometimes an employer may require insurance as part of the hiring process and if one doesn’t own a car then this policy would again suffice.

Is a Non Owners Insurance policy cheaper than a regular policy?

Not by much.  The main difference between a regular car insurance policy and a non owner’s policy is that the annual mileage can be rated at a lower factor since there is no regular use of a vehicle.  Other than that, there really isn’t much of a price difference between the policies.  Some agents will recommend a non owners policy to try to earn your business by offering some savings.  I would strongly recommend that you stay away from this advice as you will not be covered and the savings is not worth it at all.

What cars can I drive with a Non-Owner’s policy?

With a non owners insurance policy, one can drive any personal use vehicle that is not registered to them, an employer, or anyone residing in the same household.  This type of policy is designed for those that want to be covered for occasional use and not for coverage on any cars that are driven regularly or for any vehicles that you have regular access to.

How to get Non Owners Insurance Quotes?

Many companies offer Non Owners Insurance but most only offer Auto Owners Insurance quotes online.  Search the terms “non owners insurance” or “non-owners insurance quotes” and find companies offering this product, most likely you will have to call in for a quote.  Insurance agencies are usually a good way to go since they specialize in these types of polices and can often times find you a great rate.

OnGuard Insurance is a reputable insurance agency offering competitive rates on Non Owners Insurance as well as Auto Owners Insurance.  Get quotes online or by calling (888) 99-QUOTE!

1. Gather your information – Before you start shopping, get all your information together so that the quotes you’re getting are as acurate as possible.  The cheapest company with even one piece of incorrect information may not be the cheapest with the correct information.  The main information you will need is your vehicle vin numbers, your annual mileage driven, your driving history/record, years licensed, coverages desired, along with some other minor details.  The most common causes for change in price from the time you quote to the time you buy are changes in driving history and vehicle type changes due to vin number not being entered at the time of the quote.  Try to have your VIN number when shopping around for quotes and if you’re unsure of your driving record, most DMVs will allow you to run your driving record on their site for a small fee.  Having this information could help you in finding the lowest rates available for you on auto insurance.
2. Shop three to five companies – Once you have all your info together, try to at least shop three companies.  Ever auto insurance company has their own ways of calculating rates based on their loss history.  What may be the cheapest for me, may not be the cheapest for you so don’t listen to all the low cost auto insurance ads, just shop a few to see who’s offering competitive rates for your particular situation.  Remember to shop apples to apples, most insurance company websites have a default coverage selection, don’t forget change the coverages so all your quotes match.
3. Use the internet – Most reputable insurance companies offer online car insurance quotes these days.  The internet is the fastest and easiest way to shop for insurance.
4. Check with a local agent – Insurance agencies often times work with insurance companies that don’t sell directly to the public and don’t spend money advertising.  These companies are often times very competive and are only available through an auto insurance agency to be sure to include one in your search.  An insurance agent can also quote multiple companies at once and offer the cheapest one.
5. Use a lead generation company – There are some websites that collect your information and then sell it to auto insurance providers who use it to provide you a quote.  Using one of these will generate multiple quotes but you may want to enter a wrong phone number if you don’t want a bunch of calls.

Once you’ve collected your quotes it’s just a matter of math.  Don’t forget to calculate some value in your quotes, sometimes a more reputable company is just a little bit more but well worth it.  OnGuard Insurance is a reputable CA Insurance Agency offering Cheap Car Insurance as well as instant online Car Insurance Quotes.

What is High Risk Insurance in California?

High risk insurance in California is insurance for those drivers that pose a high risk of loss to an insurance company.  If you’re not a prop 103 good driver, you’re considered to be a high risk driver per the insurance companies.  A prop 103 good driver is one that has no more than one minor violation on his/her driving record, no major violations (DUI, reckless driving, speed contest, ect), no suspensions, no more than one non injury accident, no injury accidents, and one who has been continuously licensed for the past 3 years.  Anyone that does not meet these qualifications is considered by most insurance companies to be a high risk driver.  Insurance companies classify this market of people as the non standard market.  High risk insurance is basically any company providing auto insurance in the non standard market.

How do I get High Risk Auto Insurance Quotes?

You can get high risk insurance quotes simply by requesting quotes from any company and inputting all your violations.  Once your driving history is entered, the insurance company will either give you a rate or not accept you as a risk.  If you get a rate with your violations entered, then that insurance company is willing to accept you even though you’re a high risk.  Most insurance company quotes are given based on the information you provide so remember to input your violations.  Once you’ve received a quote and you’re ready to purchase, the insurance company will run your driving record to ensure the information you provided is accurate.

Where Can I Find The Lowest Rates for High Risk Car Insurance

Insurance Agencies are often times the best way to find low rates on high risk car insurance.  Insurance agents usually work with multiple non standard auto insurance companies that specialize in providing auto insurance for high risk drivers.  An agent can usually enter your information in a rater and instatnly see the rates of all the companies he/she works with.  They can offer you the lowest rate between them all.

How Long Will I Need High Risk Insurance for?

In California, you’re considered high risk unless you’re a prop 103 good driver.  You’ll need high risk insurance until enough of your tickets drop off your record for you to qualify.  Minor traffic violations stay on your record for 3 years, major violations for 5 years, and accidents for 3 years.

Is High Risk Insurance the Same as SR22 Insurance?

A person needing an SR22 is usually considered a high risk driver but not all high risk drivers need an SR22.  An SR22 is a filing attached to your auto insurance per the DMV and high risk insurance is insurance for those that the insurance companies consider to have a greater chance of loss.  They are similar but yet different, visit SR22 Insurance California for more information or SR-22 Insurance Quotes for a free quote.

OnGuard Insurance offers competitive rates on high risk auto insurance as well as DUI Insurance.  You can get an instant High Risk Insurance Quote online or by calling (888) 99-QUOTE.

1. Get a quote to see how much it would cost to be added on your parents policy.

Depending on the kind of policy and the company your family is with, getting added to the family policy could be a good way finding the lowest rates.  If your family policy consists of high end vehicles that you will not be driving, check to see if the insurance company will assign you to a lesser value vehicle that you drive.  Many insurance companies will automatically assign the highest risk driver to the most expensive car to ensure they are collecting proper premium.  In a lot of cases, the most expensive vehicle is usually not driven by the teenager so make sure to see if your parents insurance company will assign you to the vehicle you drive as this will significantly reduce rates.

2. Get auto insurance quotes from local agencies & brokers.

Agencies and brokers usually work with multiple insurance companies specializing in the non standard industry.  The non standard industry is basically insurance lingo for high risk which is where teenage driver insurance falls under.  Agencies are able to quote multiple non standard insurance companies at once and offer the lowest rate of all the insurance companies they are authorized to produce on behalf of.  An insurance agency can also look into ways available to lower your rates with discounts and options,

3. Shop Around.

Finding the lowest rates for teenage drivers sometimes means just comparing rates of multiple companies until you find the lowest one.  With the web, shopping for auto insurance has never been easier.  Many insurance companies now offer instant auto insurance quotes online which allows you to compare more rates in less time.  Some agencies also offer online young driver insurance quotes now and some of them will even display the rates of multiple companies with one quick easy form.  The power of competition is a great way to find the lowest rates, take advantage.

4. Become less of a risk.

Consider driving a vehicle that will only require liability insurance.  The less coverage you purchase, the less of a risk you are to an insurance company resulting in lower rates.  Wait until you have 3 years of driving experience or shop for quotes again when you turn 19.  At the age of 19, many agencies can give you your full 3 years of driving experience which makes you eligible for a 20% good driver discount.  Offering good driver discounts are required per prop 103 and every insurance company has to apply the discount if you qualify.

OnGuard Insurance is a reputable auto insurance agency that offers instant online quotes and low rates for young driver insurance.  Get online young driver insurance quotes or call (888) 99-QUOTE.

1. How do insurance companies rate motorcycle insurance?
2. Do I have to have a motorcycle license to get motorcycle insurance?
3. Why is full coverage so much more than liability insurance on my bike?
4. Are there benefits in using an agency to quote my motorcycle insurance?
5. How can I find the lowest motorcycle insurance quotes?

1. How do insurance companies rate motorcycle insurance?

Insurance companies rate motorcycle insurance much like auto insurance with a few differences.  Here’s a list of the main rating factors used to determine your motorcycle insurance rates….

• Zip code – Areas with a greater history of losses rate higher
• Date of birth – Wisdom and safety come with age
• Driving experience – More experience equals lower rates
• Marital Status – Married riders enjoy a little lower rates
• Violation history – More violations, more premium
• Coverages requested – Better coverages, higher premiums
• Motorcycle Value – Only when purchasing full coverage
• CC Size – Size matters, bigger engines pay more
• Cycle endorsement date – the date you got a motorcycle license
• Discounts & other rating factors – ask your company for details

2. Do I have to have a motorcycle license to purchase motorcycle insurance?

You don’t have to obtain a motorcycle license to purchase motorcycle insurance, however, having a motorcycle license does have a bearing on your rates.  Having a class M license shows the insurance company that you are an experienced rider and less likely to be involved in an accident.  The longer you’ve had your motorcycle license, the lower the rates.  There are many companies available for you to purchase motorcycle insurance from even if you don’t have a license but be prepared to pay a higher rate than those with a license.

3. Why is full coverage so much more than liability insurance on my bike?

The reason why full coverage insurance on a motorcycle is so much higher than liability is simply because of the risk involved.  Remember, liability insurance covers others, what you’re liable for, and not your bike itself and full coverage covers your bike as well as liability.  If you hit someone with your motorcycle, your insurance company has to pay for damages you caused to others and their property.  How much damage can you really cause with a motorcycle?  That’s why liability motorcycle insurance is usually so inexpensive.  The damage you can cause with your bike reflects the rates you pay on liability.  Now, it’s a whole another story when it comes to full coverage.  Almost any kind of accident will cause extensive damage to your bike that would have to be paid for resulting in much higher rates.  Get quotes on both and compare your options before making a decision.

4. Are there benefits in using an agency to quote my motorcycle insurance?

There are great benefits in using an agency for motorcycle insurance quotes.  Agencies usually work with multiple carriers that have different guidelines, prefer different kinds of risks, offer different discounts and more.  Agencies can enter your information in a comparative rater and instantly see the rates of all the companies they have to offer you.  Agencies will usually do all they can, including but not limited to, offering all discounts available to help you find low cost motorcycle insurance.

5. How can I find the lowest motorcycle quotes?

When shopping for any kind of insurance quotes including motorcycle, you want to do your best in providing the most accurate information.  The reason why you want to do this is that a company quoting you the lowest rates with let’s say no tickets will not usually be the lowest rate if you happen to have a ticket.  Every company has their way of rating so when you are comparison shopping for your motorcycle insurance, provide accurate information, especially with past tickets to ensure you’re comparing accurate rates.  Also, take the time to quote from at least 3 different companies to understand the range of prices you should be paying.  Lastly, make sure to get a quote from at least 1 agency as an agency instantly quotes multiple companies so 1 call gets you the lowest of many quotes.  Insurance agents can usually also offer discounts and advise to find you the Lowest Motorcycle Insurance Quotes.

OnGuard Insurance offers competitive Motorcycle Insurance rates and great service.  You can get an Online Motorcycle Insurance Quote or call (888) 99-QUOTE to speak to an agent.

Car insurance in LA and other major cities do typically tend to cost more.  California carriers  use zip codes to determine what areas have a greater risk of loss based on the history of losses they’ve experienced in those areas.  Los Angeles and other major congested cities do tend to have a greater risk of loss.  Auto Insurance in LA has proven to be a higher risk than most cities due to the claims history experience here.  Traffic, congestion, and the high need to drive in cities like LA are all contributing factors to higher rates.  The good news is that since there is such a large market for car insurance in LA, there also are many companies competing for such a large market which drives yours prices down.  Los Angeles auto  insurance rates are usually a little higher, but here at OnGuard, we have a unique way to get you great rates on your car insurance in LA or any other major city in California.  We are authorized producers of many top rated auto insurance companies offering competitive rates in LA, CA.  When you request your quote from us by calling (888) 99-QUOTE, we simply enter some of your basic information in our CA Auto Insurance Rater and your quotes for all the companies we work with are displayed in order of price, we just offer you the best option.  You can also request your free Los Angeles Car Insurance Quote online, and see the rates of all the companies we work with displayed instantly in about 3 minutes.

OnGuard Insurance has multiple locations in LA, CA and has been providing low cost auto insurance all across California for many years.  We have the ability to place your policy with the right company for a great low rate.  As authorized producers of many of the top rated California auto insurance companies, we instantly provide the lowest rates we have available for you.  Get your free Los Angeles car insurance quotes online from OnGuard Insurance today or call one of our licensed agents at (888) 99-QUOTE.  Our rates on auto insurance in los angeles are incredibly competitive!

Here’s a basic and simple explanation of the main coverage options associated with auto insurance in California.

Liability Insurance
Liability basically covers what you’re liable for. If you caused damage to another vehicle, person or property then your insurance company will pay for what you were held liable for up to your policy limits. The minimum limits required in California for auto insurance are 15/30/5. 15/30/5 Insurance is short for $15,000 per person for bodily injuries, $30,000 max per occurrence for bodily injuries, and $5,000 max for property damage. You are still liable for damages above what the insurance company pays so be sure to protect your assets. For homeowners, a minimum of 100/300/50 is recommended. Also, if you vehicle is leased, your leasing company is likely to require that you have a minimum of 100/300/50 liability insurance coverage.

Uninsured Motorist (UMBI & UMPD)
Uninsured motorist is an optional but highly recommended coverage. Even with it being a law to carry liability car insurance, many motorists simply can’t afford it. Uninsured motorist coverage will protect you up to the policy limits in the event an uninsured motorist collides with you. For uninsured motorist to provide coverage it is required that someone be held liable for hitting you. In the event of a hit and run, at least a license plate number must be obtained for this coverage to kick in. Uninsured Motorist Bodily Injury (UMBI) starts off at limits of 15/30, $15,000 per person with a maximum of $30,000 of coverage per accident… higher limits are available. This means that if an uninsured motorist is held liable for the accident, your insurance company will pay you and your passengers for bodily injury incurred up to your policy limits. Your company may also provide this coverage for under insured motorists which means that if the person that hit you doesn’t have enough coverage to cover your injuries; your company will come in as the secondary and cover the difference up to their limits.
Uninsured Motorist Property Damage (UMPD) is usually $3500 in coverage. If an uninsured motorist was held liable for your accident, your company will pay up to $3500 for repairs to your vehicle. If you have purchased collision coverage on your policy then your UMPD coverage becomes a collision deductible waiver which means this coverage will pay the deductible on your collision coverage.

Medical Payments
Medical Payments provide coverage up to the policy limits for medical bills resulting from an accident regardless of fault. You can purchase medical payment limits from about $1,000 to $10,000. Let’s say you chose to buy $1,000 medical payment limits, each person in your car would be covered up to $1,000 per accident. Medical payments are optional and not required.

Comprehensive & Collision (Comp/Coll)
Comprehensive and Collision coverage on your auto insurance policy is the part that covers your vehicle. Collision coverage covers your vehicle in the event of an accident while you’re driving. Comprehensive coverage also know as other than collision coverage covers your vehicle for damages that may happen when you’re not driving your vehicle such as fire, theft, vandalism, tree falling on your car, etc. These coverages don’t have limits to purchase; they work with choosing a deductible. A deductible is the amount you pay first, and then the insurance company covers the rest. The most common deductible options chosen are $500 and $1000. The lower your deductible, the higher your premium will be since the insurance company covers more. If your vehicle is financed or leased, your financing company will require you to carry these coverages until the car is paid off.

Rental & Towing
Rental coverage will cover the costs of renting a car up to the policy limits in the event your vehicle is not drivable or in the body shop resulting from an accident. You’ll usually see numbers such as 20/30 or 30/40 when it comes to choosing the limits for this coverage. The first number is how much they will cover per day, the second number is the maximum number of days they will cover for. 20/30 means that your auto insurance company will pay $20 per day up to a maximum of 30 days. Towing coverage will cover you for towing your car as a result of an accident up to the policy limits. Limits are usually listed as a dollar amount of $50 or $100 which means that you’re covered up to that amount for towing per disablement. Remember that these coverages only take effect in the event of an accident and are not a roadside service. Most companies now offer roadside service as an optional coverage.

Other coverages and options
Other coverages and options vary company to company. Please check with your company or agent to see what options are available to you.  OnGuard Insurance is an authorized producer of multiple auto insurance companies in California so coverage with us varies from carrier to carrier as well.

For more information or for an online auto insurance quote, please visit www.OnGuardInsurance.com or contact us toll free at (888) 99-QUOTE.

California car insurance has many rating factors but here are some of the main ones to keep in mind when you’re shopping around.

1. Your zip code – Different areas pose different risks for car insurance companies so where you live does affect your rates.

2. D.O.B/Age – When you enter your date of birth it is used to determine your age which has a bearing on your auto insurance rates.  A 16 year old is more likely to be involved in a claim than a 40 year old, so insurance companies will rate based on the risk.  Typically, mid to late 30’s is considered the safest driving age.

3.  Years licensed – The more experience you have driving the safer you probably drive.

4.   Driving History/Violations – Drivers who have been ticketed in the past or have been involved in an at fault accident are also more likely to have a claim.

5.  Married? Auto insurance in California is typically cheaper for married persons.  Married people have shown to be less of a risk for having a claim. Maybe because when you’re married you’re not out at the bar?

6.  Type of Vehicle – The type of vehicle you’re driving affects your rates when you’re purchasing coverage for the vehicle itself (comp/coll).  When purchasing only liability car insurance, the type of vehicle typically has no affect on the rate since the vehicle itself is not being covered.

7.  Coverages – There are different coverages available and also different limits of coverages.  More coverage and higher limits are always better but always more money so find the coverage and limits that fit you best.

8. Discounts – Most auto insurance companies offer discounts for various things.  Ask for the discounts available and see if you qualify for any of them.

9. Other rating factors vary from company to company, check with your car insurance carrier for their exact rating factors.

For more information on car insurance or for an online auto insurance quote, visit OnGuardInsurance.com or call (888) 99-QUOTE!  OnGuard Insurance is a California Insurance Agency offering low rates on many lines of personal insurance, including but not limited to auto insurance, motorcycle insurance, SR22 insurance, DUI insurance, watercraft insurance and more.

California Auto Insurance Agency

Benefits of using an Insurance Agency in California

Save Time and Money by using an insurance agency in California!
On average a consumer will shop approximately 3 different auto quotes in California before making a decision on which company to purchase from. With thousands of insurance companies offering auto insurance in California, this may not be enough to ensure that you’re getting a competitive rate on your car insurance. A agency in California usually works with multiple different carriers and can place your business with the one offering the best combination of price and protection. When you request a quote from an agency like OnGuard Insurance, we enter your information in our rater and instantly get the rates of all the insurance companies we work with displayed from lowest to highest in premium.  The ability to produce for many different carriers allows an agency to be competitive  for almost every situation. So if you were going to get car insurance rates from 3 different companies, consider getting one of those quotes on from an insurance agent, that way you’ll know the lowest rate offered from dozens of  companies.  When you request your car insurance quote from us online, we’ll display the rates of all the companies we work with right online in just about 3 minutes!  To get a California car insurance quote from a reputable auto insurance agency in CA, try OnGuard Insurance and see how much we can save you.

Get Competetive Rates for all risks when you use an insurance agency!

Another benefit of using an agency in California is that you’ll always get competitive low rates regardless of your situation, driving history, age, vehicle or any other rate determining factor.  An insurance agency is able to be competitive in almost all situations because we have multiple companies available to us to rate & write your risk.  One entry of your basic information in our California Auto Insurance Rater will instantly display your insurance rates of all the companies we work with.  We’ve selected only the better California insurance companies to work with and we’ve made sure to select multiple companies that offer low rates for a wide array of risks.  So weather you have a perfect record, tickets, accidents, or need SR22 Insurance, we have a company that will offer you great rates!

Receive Great Service when you have an insurance agent!

When an agency writes your policy, as your insurance agent they also provide the service on your policy.  You can also still get service directly from the company if you choose to with most California insurance companies so you get the best of both worlds.  Some insurance agencies in California will charge you a fee to make changes on your policy. You may want to ask the insurance agent you’re talking to if they charge endorsement fees, OnGuard Insurance doesn’t charge any endorsement fees.  We take great pride in our old fashion approach to quality customer service without fees.  Having a licensed insurance agent always there for you has great benefits when it comes to service.  We can let you know how a change you’re requesting will affect your rates before we process the change so you don’t get stuck with an unexpected bill.  Also, when you are in need of making a change we can quickly check to see if that change results in another company being a better fit for your new situation. We’ll give you options and let you choose.  Having an insurance agent or an insurance agency providing service on your auto insurance policy has great benefits.

Rest assured that your rates are always competitive

Once you’ve chosen to go with an insurance agency, you can rest assured that your rates will always remain competitive.  Once we have your information in our system all we have to do to see current insurance rates for all the companies we work with is click a button. Every time you make a change on your policy through your insurance agent, we’ll check the rates of all our auto insurance companies to ensure that you’re still getting a great deal on your car insurance. If you come up for renewal and want to see if any of our auto insurance companies have better rates for you, just simply give us a quick call and we’ll check in seconds.  If a ticket drops off and you want us to re-rate your car insurance or for any reason at anytime, current rates are just a click away. You’ll never have to shop around again for auto insurance when you purchase your policy from a reputable auto insurance agency.

OnGuard Insurance is a reputable & leading Insurance Agency in California that offers online, comparative auto insurance quotes that are instantly displayed in order of price.  Let OnGuard Auto Insurance Agency save you time and money on your insurance.

A Non Owner’s SR22 Insurance policy is basically a Non Owner’s auto insurance policy with an SR22 filing endorsed.  These policies are for those that need or want to be insured but don’t own a car or have a vehicle that they drive regularly.  In these situations, there are non owners policies to accommodate those drivers that want to be covered for a vehicle they may occasionally drive.

What cars would I be covered to drive?

These policies are designed for those that do not own a car and do not have a car that they drive on a regular basis and will provide coverage for vehicles driven occasionally.  These types of policies will not cover vehicles available to you for regular use, vehicles registered in your name, vehicles registered to any other house hold member, or vehicles that you drive regularly.  If there is a vehicle that you drive regularly, then this type of policy is not the way you want to go because, contrary to popular belief, it’s not much of a cost difference to insure a vehicle for liability insurance and attach an SR22 filing than it is to get a non owner’s insurance policy and attach an SR22 filing.

What’s the price difference between a Non-Owner’s SR22 policy and a conventional SR22 insurance policy?

There really isn’t much of a price difference between the two policies.  The main difference is that with a non owner SR-22 Insurance policy, we’re able to rate you with a lower annual mileage factor since there is not a regular vehicle that you’re driving, other than that, the cost of a these policies are usually the same.

How to Save on Non Owners SR22 Insurance

Using an agency is usually a really good way to save on non owner SR22 insurance.  Agencies typically work with multiple different carriers in the non standard market which is the market in which those requiring an SR22 usually fall in.  OnGuard Insurance is a California based agency who specialized in SR22′s and is an authorized producer of many top rated auto insurance companies who offer SR22s.  With the ability to write for multiple different carriers, we can save you time and money.

For more information on Non Owner SR22 Insurance or for a free Non Owner SR22 Insurance Quote, please visit OnGuardInsurance.com or call (888) 99-QUOTE.  We also offer regular SR22 Car Insurance quotes online as well.

What is an SR-22?

An SR-22 is a financial responsibility filing attached to your auto insurance and is filed with the DMV.  It’s basically a form that is sent by your car insurance company to the DMV that lets them know you have valid liability insurance.  If at any time your policy becomes cancelled, an SR-26 is sent by your carrier to the DMV that lets them know your car insurance has been cancelled.  This will usually result in the suspension of your driver’s license.

How do I get an SR22?

You can call your auto insurance company and ask if they can add an SR22 filing to your current policy.  Not all insurance companies issue SR22 filings so you may have to switch in order to obtain an SR-22.  If your company doesnt issue SR22 forms then your best bet is to find an agency or brokerage.  Usually an agent or broker works with multiple carriers that offer SR22 insurance and because of that, they are able to offer the lowest rate available between their carriers.

How much does SR-22 insurance cost?

SR22’s are fairly inexpensive, most insurance companies will charge a onetime filing fee of around $20.  The main cost associated with an SR-22 is the actual cost of the liability auto insurance.  Remember, an SR-22 is only a filing with the DMV to let them know that you’re carrying valid liability car insurance.  Since car insurance rates vary from person to person, the true cost of an SR-22 depends on your specific situation as well.  For your personalized free quote on SR22 Auto Insurance from OnGuard Insurance, please call us at (888) 99-QUOTE to speak to a licensed agent or request your SR22 insurance quote online.

Why do I need an SR-22 filing?

An SR22 filing is usually required by the DMV after something has happened with your driving privileges.  If your license has been suspended, usually due to a DUI, or if you were involved in an accident while not having valid auto insurance, the DMV may require you carry valid auto insurance in order to receive your driver’s license back.  An SR-22 is a filing from your auto insurance company to the DMV letting them know you have an active auto insurance policy; it’s basically a way for the DMV to keep you on check regarding your auto insurance.  If your insurance policy cancels at any time, the insurance company must inform the DMV which will usually result in the suspension of your license again.  If you don’t own a car you will still need to purchase a non owner SR22 insurance policy in order to get your license back.  For a free non owner SR-22 insurance quote in California, please contact OnGuard Insurance at (888) 99-QUOTE.

For more information or for an instant online quote on SR22 Insurance, please visit OnGuard Insurance’s California SR22 Insurance  page or get an SR22 Insurance Quote online now or call (888) 99-QUOTE.

OnGuard Insurance Services, LLC is a leading auto insurance agency with multiple locations in Los California including our national sales/service center.   As authorized producers of multiple top rated California insurance carriers, we have the ability to place your car insurance with the right company for the right price!

Over the years we have hand selected only the better CA auto insurance companies to work with.  We have a high level of expectation for our clients so we only work with California admitted insurance companies that offer the best auto insurance rates, the best service, prompt and fair claims handling, and are also amongst the highest in stability, strength and rating.  We also work with insurance companies from the preferred companies, to the non-standard companies to ensure we have a competitive rate for any time of driver; so whether you have a perfect or less than perfect driving record, we work with multiple companies that can offer you a competitive rate.  You can rest assured that the car insurance company we place you with will be competitive and will treat you with the same respect and fairness that OnGuard Insurance will.

Also, each member of our staff is licensed by the department of insurance and has a broad understanding of auto insurance to help answer any questions you may have or to help you decide what coverage is best for you.  Once you purchase a policy from us, your agent will always be there to help you with all the service on your policy at absolutely no cost to you.  Additionally, anytime you make a change on your auto insurance policy we’ll check the prices again of all the insurance companies we work with to ensure that your rate with your current company is still the most competetive.  Once you have a polciy with us, you can rest assured that your rates will always remain competetive.

Our History

OnGuard Insurance was started in 2004 in Los Angeles, CA and has been rapidly growing ever since.  Our competetive rates and old fashion approach to great customer service have been the driving force behind our growth.  Thanks to our loyal customers we’ve become a leading provider of auto insurance in California and are currently working on national expansion.

What’s an SR22?

An SR22 is simply a filing that your auto insurance company files with the CA DMV that lets them know that you carry an active auto insurance policy.  It’s required when the DMV decides to allow a person driving privileges only if they carry valid auto insurance.  An SR22 filing allows the DMV to keep track of your auto insurance as the insurance companies are required to notify the DMV anytime your coverage becomes inactive.  Usually in California, the DMV will require an SR22 insurance policy to be carried for a term of 3 years, if at any time during these 3 years your SR22 gets cancelled, the DMV will suspend your license pending proof of an active SR22 policy as well as another reinstatement fee.

Reasons an SR22 may be required in California

In California, divers require proof of insurance filing form SR 22 mainly after being booked for a DUI or being involved in an accident without proper liability insurance. SR22 filing is mandatory under California driving laws in order to reinstate your license after being suspended for any of the above reasons. The SR22 form is issued by your insurance company and is filed with the CA DMV allowing driving privileges to be reinstated given that all other DMV requirements have been met.  In DUI cases, the DMV will likely require enrollment or completion of a DUI course in addition to an SR22.

Cost of SR22 insurance in California

The SR22 itself usually costs right around $20 and is a one time fee.  The main cost is the actual auto insurance it’s endorsed on and since auto insurance rates vary from person to person, so do the actual costs of SR22 insurance.  So your costs would be your auto insurance rates, plus about a $20 fee, plus DUI course fees if any, plus $55 to the DMV to reinstate your license.

How to get SR22 Insurance Quotes in California

CA Motorists can apply for a SR22 insurance quotes online which is a good way to save both time and money.  Alternatively, they can work with and get quotes from an insurance broker or independent agent who is in a better position to provide options and reduce the premiums considerably.  Drivers may consider a non owner SR22 insurance quote if they currently don’t own a vehicle, which is enough to satisfy the DMV’s terms and conditions.

OnGuard Insurance is low cost provider of California SR22 Insurance and also provides instant online SR22 Insurance Quotes as well as phone quotes at (888) 997-8683.

OnGuard Insurance Services, LLC is a Los Angeles, California based auto insurance agency authorized to produce auto insurance policies for multiple top rated California insurance carriers.  When you request your California car insurance quote from us, your information goes into our rater which immediately displays your personalized California car insurance quotes from all of our CA admitted insurance carriers.  We simply sort all your car insurance quotes by price and offer you the best option on your auto insurance.  This ability ensures that we will always have low competetive auto insurance rates for all drivers on their car insurance in California regardless of the situation.  If you like our car insurance rates, and we’re confident you will, we can get your car insured today!

Our great low auto insurance rates are there to earn your business; our excellent level of service, at no cost to you is there to keep you insured with us for years to come!  We’ve been providing low cost car insurance for Los Angeles and California drivers for years without sacrificing quality of service service.  Low insurance rates are something we need to earn your business but it’s the level of service you’ll be most happy with.  Let us first earn your business with our great low auto insurance rates so that we’ll have the opportunity to prove our high level of service in the future.  Request your free California Car Insurance quote today online or by contacting one of our licensed agents at (888) 99-QUOTE!