Cheap Motor Car Insurance for California
Thankfully car insurance companies have made cheap motor car insurance available to women. This is important since forty-eight out of fifty states require motorists to carry a certain amount of liability insurance for for each of their cars. Usually this minimum insurance does not contain an uninsured motorist policy. Uninsured motorist policies protect you if you are struck by a motorist who is not carrying the minimum insurance required by law. Make sure when you receive your cheap motor car insurance quote, you ask for uninsured motorist protection.
There is a discrepancy between official and unofficial sources as to how many uninsured drivers are on the roads. Official estimates state that 16% of the drivers are uninsured. Other sources list the percentage of uninsured drivers as high as 20%. Statistics show a correlation between the number of uninsured drives and economic conditions. As unemployment increase, the number of uninsured drivers increase.
In order to help with this large number of uninsured drivers California has created a program that subsidizes low income families (4 people, income less than $50,000), allowing them to have the most basic of coverage for around $30.00 a month.
The typical driver who in uninsured is often, according to a 1999 California Department of Insurance report,
-between 18-24 years old
-low income (20,000 a year or less)
-rents instead of owning a home
-Hispanic or African-American male
-short time at current residence
Does this profile affect budget car insurance quotes? It is hard to say but typically lady car insurance quotes are cheaper.
With the large availability of cheap motor car insurance so easily purchased, especially cheap female car insurance, it is important you specify to your agent that you want a quote for a uninsured motorist protection. If not, you may end up paying the costs, if you are hit by an uninsured driver.
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