Whittier Car Insurance

Whittier, like many communities in northern and southern California, is notorious for having a high cost of living. However, when real estate is removed from the equation, the necessities for living, such as groceries, utilities, and car insurance, are actually quite affordable in Whittier.

In order to be licensed to drive in Whittier, a driver must either prove that he or she has adequate financial resources to pay for any damages caused in a car accident or that he or she has liability insurance. But, often, it is easier for people to purchase car insurance than to prove that they have adequate financial resources to cover an accident.

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Minimum Liability Requirement for Whittier Licensed Drivers

Liability insurance is divided into two types: bodily injury and property damage. The law in California requires you to purchase both types of liability insurance. The following are the minimum amounts of liability insurance that can be purchased while still fulfilling the legal requirements:

• Bodily injury – Pays up to $15,000 for injury or death to one person and up to $30,000 for injury or death per accident.
• Property damage – Pays up to $5,000 in property damages.

Keep in mind that minimum liability does not pay any money to the insured, at-fault driver who has only minimum liability coverage.

Real licensed Drivers in Whittier

Eric and Nicole

Eric, age 30, is married to Nicole, also age 30. Eric is an emergency room nurse at Presbyterian Intercommunity Hospital, and Nicole is a police officer with the Whittier Police Department. Eric drives a 2013 Jeep Grand Cherokee, and Nicole’s vehicle is a 2012 Ford Escape.

Both Eric and Nicole are veterans, and they own a small home in Pico Rivera, which is a 15-minute drive from both of their jobs in Whittier.

Since Eric and Nicole own a home, they want an extended-level car insurance policy because they believe the higher level of insurance will protect them in the event of a lawsuit.

Extended-Level Coverage

• $100,000 per person and $300,000 per accident in bodily injury liability
• $50,000 in property damage liability
• $100,000 per person and $300,000 per accident for bodily injury caused by an uninsured or underinsured motorist
• $50,000 for property damage caused by an uninsured or underinsured motorist
• $75,000 in towing allowance
• $600 in rental car allowance

Additionally, extended-level insurance requires a $500 deductible payment.

Nicole and Eric can get an extended-level insurance package in Whittier for the monthly payments listed below:

• AAA – $265
• GEICO – $285
• USAA – $296
• Mercury – $402
• Allstate – $413
• State Farm – $535
• Liberty Mutual – $724
• Mid-Century – $737

Tara

Tara is a high school math teacher, unmarried, and 44-years-old. Tara drives a 2013 Toyota Prius and was involved in an at-fault accident last April. Although there were no injuries, the security of a worry-free car insurance policy is important to her.

As a result, she is willing to pay a more for car insurance that will give her an additional level of comfort. She has selected a premium-level car insurance policy.

Premium-Level Coverage

• $250,000 per person and $500,000 per accident in bodily injury liability
• $100,000 in property damage liability
• $250,000 per person and $500,000 per accident for bodily injury caused by an uninsured or underinsured motorist
• $100,000 for property damage caused by an uninsured or underinsured motorist
• $75 in towing allowance
• $900 in rental car allowance
• Full glass coverage

Additionally, premium-level coverage requires a $250 deductible payment.

In Whittier, options for premium-level coverage and the monthly payments are listed as follows:

• USAA – $215
• State Farm – $256
• 21st Century – $268
• AAA – $279
• Mid-Century – $302
• Allstate – $341
• Liberty Mutual – $421
• GEICO – $501

Bill and Celia

Bill and Celia are in their mid-forties and have three children, ages 12, 16, and 18. The 18-year-old is about to graduate from high school and has been a licensed driver since she was 16. The 16-year-old, a boy, is newly licensed.

The family owns three cars: a 2013 Honda Odyssey, a 2010 Ford Explorer, and a 2004 Honda Civic.

In order to keep insurance costs as low as possible, Bill and Cynthia have chosen a basic-level policy:

Basic-Level Coverage

• $50,000 per person and $100,000 per accident in bodily injury liability
• $25,000 for property damage
• $50,000 per person and $100,000 per accident for bodily injury caused by an uninsured or underinsured motorist
• $25,000 for property damage caused by an uninsured or underinsured motorist.
• $50 in towing allowance.

Basic-level coverage requires a $500 deductible payment.

The following are the monthly payment options for basic coverage for this family of four drivers:

• AAA – $329
• USAA – $408
• GEICO – $418
• Mercury – $591
• Allstate – $661
• State Farm – $929
• Liberty Mutual – $1,115
• Mid-Century – $1,434

Roger and Lisa

Roger and Lisa are hotel workers in their mid-twenties. They have been saving money in order to purchase either one or two cars.

However, Roger and Lisa have not purchased cars yet because they believed the cost of car insurance was out of their budget. Additionally, the high cost of insurance prevented them from getting their driver’s licenses.

For some years, Roger and Lisa have been relying on public transportation, friends, and relatives for rides to work. Recently, one of their co-workers told them about California’s low-cost auto insurance program, which began offering insurance to newly licensed drivers over the age of 19.

California’s Low-Cost Auto Insurance

In Whittier, low-income drivers who qualify for this program pay $363 per year for basic liability coverage. This policy can be financed with a 20-percent down payment and the balance paid in seven monthly installments.

California’s low-cost auto insurance provides the following benefits:

• $10,000 per person and $20,000 per accident in bodily injury liability
• $3,000 per accident in property damage liability

For $21–$68 per year, insurance consumers may add the following:

• $1,000 in medical payments coverage per person
• $10,000 per person and $20,000 per accident in uninsured or underinsured motorist protection

Low cost auto insurance consumers may purchase this coverage from any California auto insurance company. Collision and comprehensive coverages can be added to these policies by the an agent for additional fees.

Compared to other cities in the U.S., Whittier, California, has affordable car insurance. To find the auto insurance rate that is best for you, use an online price comparison tool. With a comparison tool, you can get quotes instantly.

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