The wooly mammoths and saber tooth tigers who roamed the region that would become Fullerton tens of thousands of years ago understood that life in Southern California entails dramatic risks. (If you think you're tougher than those now-extinct creatures, go have a glimpse at the exhibits at Ralph B. Clark Regional Park.)
But if mammoths and carnivorous cats couldn't survive here, what chance is there for us far-more-meek creatures who inhabit places like Cal State Fullerton libraries and the Orange Freeway? While it's true that Southland freeways witness hundreds of serious accidents every year -- and hazards ranging from pollution to snakes in the West Coyote Hills can threaten your health and happiness -- if you purchase well-tailored policies for auto, home, health, and beyond, you can protect your budget and enjoy a more stress-free existence. The catch is, you need good, reliable Fullerton insurance quotes to make intelligent decisions.
Auto Insurance Responsibilities and Homeowners Insurance Advice
As of early 2010, California law required compulsory auto coverage to the tune of $15,000 bodily injury per person and $30,000 bodily injury per accident. (On top of that, you needed $5,000 property damage, in the event that you destroyed another car or ran over your neighbor's rose bush or something). Of course, those constitute the barebones minimums. If you do any sort of traveling on the 91, the 5, the 57, the Orange Freeway, or even just area surface streets, chances are you need coverage to the tune of $100,000 bodily injury (per person), $300,000 bodily injury (per accident), and $50,000 property damage. On top of that, you should probably ladle on underinsured (UIM) or uninsured (UM) coverage, given that the Insurance Research Council found in 2007 that 18% of Golden State drivers lacked coverage. That may sound like a lot to add. But Fullerton insurance can protect your bank account from getting siphoned away if you cause a Sig alert on the Santa Ana Freeway.
Homeowners insurance presents a pickle for savvy Fullerton insurance shoppers. The National Association of Insurance Commissioners found that Californians paid $925 for HO-3 policies in 2007. Your Fullerton insurance quotes may be much higher than that, especially if you own a palatial house that lacks a security system. Make your home more appealing to insurers by quitting smoking, insuring your car and auto on the same policy, and installing home security system and sprinkler alarm.
Reevaluate your coverage needs regularly, as your risk tolerance and discounts will evolve. And always shop around for Fullerton insurance quotes before locking into a policy.
The Power of NetQuote
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