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San Jose DMV Laws for Accidents Caused by DUI and DWI

The San Jose DMV convicts offenders who cause accidents or injuries under the influence alcohol under DWI and DUI regulations. This is different from routine traffic stops for checking blood alcohol content. That itself gives rise to severe penalties but actual damages which are caused, are dealt with more harshly. Therefore, the entire process in case of accidents and subsequent injuries caused is different in itself.

The normal penalty for a DUI offence when blood alcohol content goes to the specified limit gets big if there is a serious accident or any physical damages caused to others. It is however much harder to establish proof of accidents and slap higher charges on offenders. This is because officers who take you into custody for causing an accident might have to establish the fact that your BAC or blood alcohol count was higher than 0.08.

It is hard to prove in spite of being intoxicated, the intoxicated state caused the accident or whether it happened due to normal traffic violations, unavoidable circumstances or routine causes. A breath or a blood test can be taken to substantiate the claim for an accident charge but it is not the be-all and end-all of obtaining proof.

What matters is the number of times you have been convicted under a DUI offence. If it is the first time, penalties can be a little less severe as compared when you are convicted after multiple offences in the past. Multiple DUI offences are matter of serious concern as sometimes you might well be convicted under harsher charges even if your previous DUI offences did not cause any serious hurt or accidents.  Therefore, those who repeat offences never have it so easy when it comes to the rules of the San Jose DMV.

Car insurance organizations also leave you in the lurch with high and unaffordable premiums if you are convicted of multiple DUI offences and have caused car damages any number of times or even just once. Both protection of your car with insurance and your own driving journey will be out of reach in these circumstances.

Punishments are very harsh ranging from felony, misdemeanor, sentencing to jail for longer periods or short period imprisonment terms. Fines are hefty and driving licenses are suspended from anything between a few months and a few years depending on the specific nature of the charge. Compulsory completion of driving safety classes is also imposed upon offenders.

There are particular rights for those who are injured on your account and this is something you have to comply with. This includes paying out a certain sum of money as compensation to the victims’ family and also, the victim and his/her relatives and family members are allowed to attend your court conviction and even speak at the hearing. This makes it a tougher task to get away with an accident caused through DUI or DWI. Consulting a good legal agent would help to see if some charges can be lessened a little.

However, it is always a good idea not to drink and drive. An accident and DUI if combined is a serious cocktail leading to huge financial, social and professional losses both in terms of standing and in terms of self esteem.


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Legal Consequences of DWI and DUI Violation According to San Jose DMV

The San Jose DMV has strict regulations in place for DWI and DUI offenders. It has laid down many strictures for these cases. One needs to have a careful grasp of the law in order to avoid falling foul of it. The legal consequences of drinking and driving are severe indeed. This is because the seriousness of legal statutes may act as a deterrent for offenders.

Careful knowledge of legal strictures is therefore a must. San Jose has a strict policy in place for such offenders like the rest of California. This has also been influenced to a large extent due to the poor condition of roads in California and growing number of accidents each year. Some measures to rein in violations are absolutely necessary.

Previously DWI or DUI offences were taken care of just like the processes in place to check regular violations of traffic rules. However, attitudes have changed and now they are regarded as a serious criminal offence.

affordableSanJoseCarInsuranceConviction for such offences depends mostly on the percentage amount detected in the blood of a possible offender. If this comes up to 0.08 or even higher, drivers are in for serious punishments and could be the possible end to his driving odyssey.

Convictions are often done on the basis of failed tests for sobriety conducted on the spot by authorized officers. For those above the age of twenty one and commercial drivers, the limit for blood alcohol is even lower making it easier to get caught and have your license suspended.

There is a subtle difference between the terms DUI and DWI.

Both these terms indicate the very serious act of driving or operating any motor vehicle or four wheels while under the influence of alcohol or other intoxicating substances. Both these terms are used interchangeably in most states. The term DUI means driving under the influence or driving under the influence of alcohol or substances. DWI, which is often regarded as the more serious offence of the two, stands for driving while intoxicated which is regarded as an established fact.

Lower blood alcohol limits usually lead to a DUI charge being imposed upon an offender while higher limits usually lead to being convicted under a DWI offence which often carries stricter punishments. Both cases are serious criminal offences and charges for the same are equally severe. They usually include a host of punishments as given below:

Hefty fines crossing several thousands of dollars for damages and other compensation

A long probation period during which most of your driving privileges will stand restricted

A temporary seizure of your precious vehicle by the San jose DMV authorities

The driving license stands suspended and can even be revoked, depending upon the nature of the offence which has been committed

There could even be possible time spent in jail which is a dangerous blur on your social, professional and personal graph

There are also compulsory community service programs that one has to take part in and non-participation in the same would result in even more convictions

There are also classes in the mode of rehabilitation which require the participant to complete programs dealing with substance abuse and its prevention. All these classes have to be undertaken at one’s own expense

All these punishments are seen to rise to a huge extent if such offences keep on occurring as repeat offenders are not tolerated to any extent by the San Jose DMV. This has a bearing on your auto insurance prospects as well. Regular instances of collision, damages and other violations anyway hamper the receipt of good insurance plans. Severe incidents involving DUI or DWI convictions will shoot up the cost of obtaining auto insurance and in many cases, prevent you from getting insurance companies to even consider providing you insurance and security for your vehicle.

The long-running criminal record will haunt you for a long time and the associated stigma will be too much to bear for any individual. There are also charges for felony that can be incurred through DWI or DUI convictions. This depends on the number of times you have been convicted. If you have been convicted under DWI or DUI violations for a multiple number of times, you stand the chance of being convicted under the category of felony.

This is a more serious charge and involves rigorous punishments. Felony comes in when another person is seriously injured owing to your drunk driving. If there is a death, conviction can be under vehicular homicide or manslaughter both which leads to long-running time spent in jail, under severe imprisonment.

There are however quite a few defenses against DWI or DUI charges that most criminal lawyers specializing in DWI or DUI use. These include challenging of the reasons that prompted the authorities to conduct a breath-analyzer test or sobriety check-up in the first place. The lawyer may also challenge the reason for stopping the car in traffic as well or try to prove that even though intoxicated, the person was driving normally.

Successful challenges can lead to a verdict of not guilty and spare you the humiliation of jail and other financial troubles. This depends a lot on luck and on the lawyer that you engage.

If you are haunted by the prospect of a life-long stigma regarding the criminal record you face, you may ask the court for expunging all such records. This is done sometimes if the offenders for DUI are first-timers. DWI usually does not see such leniency on the part of the court.

However, even if the court agrees to erase your criminal records from public registers, there will be very stiff conditions that you have to abide by.

Also, in most cases the courts and the police authorities will still have easy access to all criminal records even if they have been expunged. This does not therefore, get you off the hook but it does give you some semblance of mental peace.

Where you can take steps to redress such offences is by hiring a good criminal lawyer and one who has handled cases of DUI or DWI offences earlier. Your lawyer plays the leading role in your court proceedings and a dynamic challenge might well lead to huge relief for you.

Auto insurance plans are also affected as mentioned above, therefore it is always advisable to stay on the right side of the law and think twice before drinking and driving.

To compare auto insurance rates and providers, just enter the zip code of your area above and compare them for free!

The Importance of Driver’s Licensed, According to San Jose DMV

According to rules of the San Jose DMV, anyone cannot just drive a vehicle. It requires certain age limits and fulfillment of compulsory requirements with testing and successful passing of tests that enables one to drive.

These tests include a written test, a vision test and an actual driving test. A probationary period also comes in before the driving license is provided.

However, licensed drivers should keep in mind certain responsibilities which are more legal than social. Violations of traffic rules do affect the driving license but not all kinds will. It all depends on the perceived seriousness of the offence or violation. If there is any instance of not following a signal to stop or driving without fastening seat belts or even violating a red light, fines are to be paid. This does not affect the driving license all that much.

DWI and DUI offences seriously impact the driving license, suspending or revoking it for a long period of time during which there are several programs that an offender has to undertake, not to mention heavy fines.

License violations are usually entered in as points on the record for driving of the offender. Serious and damaging violations subsequently lead to increased number of points on the driver rating.

The state of California has a certain number of points that are not to be exceeded. If the DUI or DWI violation leads to an excess of points well above the state limit, the driving license is revoked. This happens immediately as points for drinking and driving charges are steep and repeat offenders have no chance whatsoever of saving their license.

You can think of driving without a license but licensed drivers enjoy protection and privileges. You will be in for more serious trouble if you are caught driving without having a license on you. There can be significant time spent in jail lock-ups and other severe punishments such as no defense against charges and permanent revoke of your driving privileges. There are also heavy fines that one has to pay in such cases.

For DWI and DUI violation under San Jose DMV rules, the driving license is the one thing which is the most severely impacted. This leads to permanent removal of driving privileges and a huge black spot on your driving history. You should therefore always try to avoid DUI or DWI offences so that in emergencies you can still have some hope of saving your license.

Car insurers view such incidents as significant risks and may refuse to insure your car altogether or place almost unaffordable, steep and hefty premiums for insuring your vehicle. This is another problem you will have to face. Your license is very important. Do your best to preserve it!

For detailed information on car insurers in San Jose and their comparison, your zip is all you need! Enter it for free!

Effective Tips on Finding San Jose Cheap Car Insurance

Finding for an ideal San Jose cheap car insurance is difficult. The city of San Jose has seen heavy accidents every year and the bad condition of California roads simply adds to the common man’s plight. With the global crisis and increasing living costs, saving on your insurance plan is bound to be a priority for vehicle owners. What one must keep in mind are some pertinent vehicle tips that can be a help to the residents of San Jose to save on insurance packages.

Insurers offer you packages based on your risk quotient. This means that you have to maintain a safe and secure driving record to reap the benefits of low cost insurance. If there are fewer violations, tickets and a clean driving history, you can be assured of getting lower premiums. However, what happens if you cannot ensure an absolutely clean driving record?

You can coax insurers out of reluctance with the following vehicle tips:

You can apply for particular discounts under relevant categories such as army men, military, public and government officials and often for specific business categories.

You can opt for a joint policy as a married couple to save you insurance costs since married people are deemed to be more responsible and cause fewer violations.

You can always compare as many insurers and auto insurance quotes as possible. You will be certain to find one that will suit your requirements.

You can opt for insurance coverage scheme which covers multiple numbers of cars. This will always save you money owing to your customer loyalty.

You can also put your house and car insurance through the same organization to save you money.

Installation of safety devices in your car will get you lower premiums too as this will increase the safety index of your vehicle and there are likely to be fewer crashes.

There are loads of ways to obtain San Jose cheap car insurance. You simply have to exercise your wisdom and do careful research on the same. Finding cheap car insurance is not impossible. However, insurance companies need to be convinced of your low risk potential before they agree to lower premiums. Remember, alertness and awareness always works when it comes to getting benefits out of your insurers. You have to outwit them with these tips and ensure that you get an appropriately priced insurance package for yourself. Frequent updates of insurance rates is also a must to ensure that your policy is on track and still affordable for your situation.

For free details regarding auto insurance packages in San Jose and the companies providing them, simply type your area zip code in its allocated space above this webpage.

Comprehensive Guide in Selecting Different Insurance Coverage in San Jose

Before opting for car insurance in San Jose, it is very essential to understand the key elements of the coverage plan you are presented, before taking the plunge towards buying insurance. All automobile insurers have to provide you certain kinds of coverage mandatorily and understanding of all these kinds of coverage is the first step you should take in order to be fully backed up while dealing with your insurance package.

The particular types of coverage that are provided under law are:

Personal injury protection or PIP coverage for medical expenses – If you are severely injured in traffic incidents, crashes, and collisions. This coverage plan extends to all relevant costs you incur after any automobile accident. These include medical bills owing to personal injuries, shock, and trauma. This also includes any wages or salaries you have lost due to accidents and any other type of financial loss or burden due to an accident.

All authorized users of a vehicle, passengers and relatives are covered under the gambit of this plan. Of course, the amount of coverage is to be solely decided by you.

The second kind of coverage is liability coverage for property and vehicle damage. This is mandatory coverage under law and is the most basic kind of solution that an insurance company has to provide. Opting for car insurance in San Jose means you have to shell out the costs for any damages, you are responsible for, to other property or vehicles. This considers your responsibility unlike the earlier type of coverage plan.

Any other authorized person driving the car is also liable under this coverage. This kind of plan opted for in advance, covers damages to public property, vehicles, fences, buildings, and what not! However, this is limited to the maximum possible amount of coverage that your insurance policy can hold.

Coverage for collision damages to cars. This covers all damages and vehicle injuries because of collisions. This does not consider your fault as even if you hit a car, the coverage is provided. However, a certain amount of the deductible should be paid beforehand as the coverage sets in much later.

This will cost lower if you decide to increase this very deductible payment upfront. You will then have to pay lower premiums and there will be no spiraling costs of maintaining your car insurance plan.

Therefore, auto insurance companies have to abide by laws of the state in San Jose when giving you these types of coverage. You should have a thorough understanding of all these kinds of coverage policies and choose them carefully. Most of them are however mandatory to be availed of by law.

If you want detailed information regarding rates and providers, just type in the local zip code in its allocated area and get it free!

Different Packages of Car Insurance in San Jose for Teens or Young Drivers

Car insurance in San Jose attracts all sections of society, including teenagers and youngsters. Individuals in this age group find it difficult to get reasonably priced insurance packages. This is because they are considered the drivers with the highest possible risk. Some statistics tell the story:

In San Jose, California, drivers who are under the age of twenty-five are considered the most risky ones. Drivers between 16 and 17 are responsible for the highest number of fatal accidents in the United States of America. This led to the introduction of the Graduated Drivers Law in California in the year 1997 as a method of curbing these frequent mishaps because of irresponsible driving habits of the youth.

AutoInsuranceInSanJose

According to this law, there a series of steps those young drivers under the age of twenty-five must complete one after the other. These steps include:

–          Professional training in this case under already established authorities

–          A minimum period of driving time which is approximately 50 hours in the company of an adult driver who is also a licensed one

–          A waiting or provisional period of 60 days after, which the license is to be received. During the continuance of this period, there are specific rules that are to be followed without violations or else it will severely affect the final receipt of the driving license.

These steps ensure that car insurance in San Jose protects and secures young citizens. Insurance premiums are therefore a lot higher in order to compensate adequately for frequent violations. Youngsters usually miss lower premiums and discounts.

There are some little ways to try for discounts and other features on automobile insurance premiums from auto insurance companies.

Often auto insurance companies have been seen to provide certain discounts on premiums to students who have had good grades in school and higher education courses. This is because these grades are a sign of responsibility, which counts the most when it comes to assessing a person’s on-road capabilities.

Anything above the B grade or a minimum of the B grade will help get discounts. In addition, raising deductibles by making higher payments beforehand would automatically reduce the premiums. It would also mean though, that there would be lesser coverage in cases of severe accidents. That is something that would have to be taken into consideration by customers before they opt for this scheme.

In addition, if you are a teenager, buying a flashy and expensive car will not help. Get yourself an economic, reasonable, and efficient car in order to save on insurance premiums and risk factors.

Do you need more information on San Jose car insurance providers? Get it all free by just putting in your zip code above!

How to Select the Best Car Insurance Policy in San Jose for Senior Citizens

Auto insurance is a burgeoning market today and all parts of the consumer segment are intricately involved in it as everyone feels the need to stay protected. Car insurance in San Jose is even more geared towards senior citizens, as seniors comprise a somewhat surprisingly profitable customer segment. In some cases, they are considered non-profitable as well due to their ages and therefore auto insurance for the elderly can go both ways, depending on how the auto insurance companies perceive a particular driver.

The senior or elderly customer segment is generally for those who are aged well over the age of sixty-five at a minimum or whereabouts. These drivers are often considered high-risk drivers by insurance companies. This is due to the high risk of accidents, crashes, or collisions because of impaired mental and physical faculties with age. Age restricts alertness and in todays highly fast urban traffic situation, senior citizens might well be found wanting. It is a fact that the older an individual gets, the more he/she is likely to react slower to sudden situations that is a huge on-road problem. This leads to frequent accidents, violation of road regulations and damages to the vehicle.

That is why insurance companies might charge high premiums on auto insurance for senior citizens if they are clubbed into the high-risk category with chances of regular damages that the insurance company has to guarantee.

Some little steps can be taken to reduce premiums and car insurance in San Jose costs like the following:

Senior drivers can apply for special driving classes taken by modern day vehicle professionals. This will help improve their road sense, alertness and teach them how to overcome tricky situations even at this age. Upon successful completion of these classes, these seniors can apply to their auto insurance companies for discounts on premiums and overall costs. The company may provide discounts if the safety and security of the individual’s driving is proved.

A good result in these driving programs is therefore necessary.

Senior citizens would also do well to buy the proper kind of car in order to prevent hassles. Smaller, reasonably efficient, and cost-effective vehicles would serve their purpose best. This is because smaller vehicles would be easier to maneuver and control in busy traffic, leading to lesser accidents or damages to the car. Damages if incurred can also be repaired with ease and with lesser costs than what it would take to repair damages to big, flashy, and expensive cars.

Many often feel that driving slowly can be the best solution for senior citizens. However, on highways and on certain busy roads, driving at extremely slow speeds can leave one prone to rear end collisions and crashes at the same frequency as over-speeding and breaking speed limits.

Some car insurance companies however, view senior citizens are safer drivers as compared to youngsters and even middle-aged people. This is because older people are more responsible, usually relieved from work and social stress as compared to younger counterparts, and more likely to follow rules and safety procedures. Senior citizens are taken to be more practical, careful and less prone to sudden impulses which lead to accidents.

This is the reason why auto insurance companies offer certain attractive offers to senior citizens, as they know they will not have to pay more for damages and frequent accidents.

For free information regarding auto insurance companies in San Jose and packages available, put in your zip code above and get all you want in a matter of minutes!

Understanding Your San Jose Auto Insurance Policy and Coverage

Auto insurance quotes in San Jose come with their own detailed information regarding the types of coverage, certain rules and regulations that the insurance company may wish to clear out before hand, the expectations of the insurer and also the most important information relating to rates of insurance.

Auto insurance rates are very important, more so for their ultimate effect on the premiums that customers have to shell out. Hefty premiums indicate high rates of insurance for your vehicle. Therefore, it is essential to know the factors that influence such rates of insurance. This will lead to better awareness of the same and you will know what to expect. In addition, upon knowing these factors, you might also be able to do your bit to decrease premiums based on your prior knowledge.

The key factors that influence insurance rates can be grouped under particular categories:

Information that is strictly personal – This comprises of basic personal data such as one’s name, date of birth, address, gender, if he/she is married or not, owns a home or not, employment details. Moreover, if he/she is a member of any organization, credit history, the number for social security, and the record of driving and driving history and age at which the driving license was attained.

You will also have to include details of your family and individuals present there, who will drive under your authorization and their respective driving histories.

Information relating to the car or vehicle – including the important formation such as the make and model of the car and the year in which it was manufactured, the basic reason for usage (either pleasure or work), the business aspect to usage of the vehicle, frequency of driving the vehicle regularly. Moreover, the total period of ownership, features present which assure safety like alarms, ignition locks, or immobilizers if any, other safety tools, mileage that can be expected on an annual basis, parking and garage details and the zip code where the car remains parked.

Information relating to insurance – This is a broad category and contains a whole lot of things. This includes the names of previous insurance companies if any, the previous limits for liability, details of previous coverage, length of previous insurance and any lapses. You will also have to state details of previous claims, accidents, violations, traffic tickets, and other events relating to your driving history. The costs of repairing on an average may also have to declare to the insurance company.

The kind of coverage that is desired by the client also influences rates. If it is comprehensive, collision, liability with certain limits and other types, they have their own intricate mechanisms in place for car insurance rates. There can be any combination of all these with an equivalent rate model too.

Therefore, auto insurance quotes in San Jose will come with a lot of information that you have to provide and that will influence your rates. It is important to stay aware so that you are prepared beforehand.


Do you want more information on auto insurance quotes in San Jose? Just type your zip code above and know everything free!

How Can Safety and Security Features Lower Your Auto Insurance Rate in San Jose?

Auto insurance quotes in San Jose is highly expensive for those who possess expensive vehicle and cannot assure the insurers of safety and security. In order to assure the insurance company of safety and security, you can opt features that help in this regard.

There often arises a question in one’s mind regarding a way to assure car insurance companies of appropriate safety of your car.

One solution is to install a proper alarm system in the vehicle. This will automatically prevent thefts and help assure your insurance company of greater security and thereby lower down premium payments. There are features that you need to look for to ensure that it is effective.

  1. The alarm system should shut itself down within two or three minutes
  2. Always look for an alarm system that has its own starter disabler
  3. There should be support even in cases of a faulty switch
  4. There should be ample protection for the major parts like the trunk or the hood
  5. There should be adequate silencing features
  6. There should be features that set off false alarm triggers
  7. Shock sensors should be adjustable in the alarm system
  8. Keyless trunk release and other features should be present
  9. Lastly, there should be capabilities for anti-scan which will prevent any working of codes by thieves to bypass the alarm

While installing the alarm there are certain steps that you should follow:

  • Asking the installation shop for any kind of references
  • Inspection of their area of working to see whether everything is in order and all proper parts are being installed on to your car
  • Availing of a written estimate of costs to be paid for by you, including maximum estimates of additional costs if any, so as to avoid hidden costs and sudden over-shooting of bills
  • Making sure that alarm parts are placed in relevant areas of the car, especially the trunk or the hood
  • Always ensure that all features work, for the alarm, before you finally leave the shop. This will ensure you to test out the alarm and give a demonstration to your insurance company if need be.

Adjustable dual shock alarms will also ensure that the alarm does not go off every time say, a person or animals lean on the car or little objects hit the car. Often times, such cases have the alarm squealing for glory until you have to go and stop it yourself.

Therefore, getting lower priced auto insurance quotes in San Jose will be possible by installing safety features like alarm systems. Installation of such an alarm system will instill huge confidence in the minds of vehicle insurance companies and they will gladly go the extra mile to give you lower rates as they will be assured of security from theft.

For further information regarding quotes and insurers, type out the zip above and get to know free!

Three Questions About Auto Insurance Quotes in San Jose, Answered

Availing of the best auto insurance quotes in San Jose is a common concern for many. Many questions need to answer for potential customers who are often confused with regard to certain steps to be taken and other queries that they may have.

This is because car insurance is always a matter of great confusion and requires careful research and planning before taking any decisions. This leads to many queries on the part of customers.

AutoInsuranceInSanJoseThe first query that customers may have is the process of handling an auto insurance claim. An auto insurance claim is a matter of great responsibility and handling it requires patience and understanding of the whole process.

What needs to be ensured is that customers make a fair claim and obtain their settlement compensation as quickly as possible.

Immediately after the accident, you should start making a file on the accident without any further delays. All relevant material such as police reports on the accident, hospital treatment bills and also the valid copies of all claims you have submitted beforehand to the insurance organization.

Whenever you talk to any representative of your car insurance company, always make a summary later on, of what was said to you and official statements given to you, if any. The copy of this should be put into this very file along with details like the date of the conversation and the name of the representative spoken to. This helps prevent future confusion and prevents you being taken for a ride in some extraordinary cases of fraud.

If obtaining speedy compensation proves to be difficult, you can check your insurance policy if the rental expenses are covered in the policy or not. If they are, you can opt to get a rental car to see you through the interim period. Opting for rental cars may spark your insurance provider to speed up things in order to avoid incurring these extra costs.

In addition, if you ever feel that your car insurance company is not acting up to the spirit expressed when you purchased your auto insurance quotes in San Jose; you can always contact the state regulatory body for insurance.

If all else fails, getting an attorney lawyer to fight for your claims is the final step towards proper handling of your auto insurance claim.

The second query that may arise is the quantity of deductible that can be taken on a general car insurance plan. This is another confusing area and needs research and careful implementation of financial strategies as the deductible influences your rates and the premiums that you have to pay.

It is always advisable to get the highest amount of deductible that you can afford. This will help ensure that you have to pay lower premiums later on. Premium payments are matter of concern nowadays as they are steadily on the rise. The deductible is better known as the amount in dollars that you have to pay as a kind of down payment before the insurance plan will take over. However, to ensure smooth functioning of such a system, make sure you pick up the tab for small or minor expenses yourself. Do not bother hounding the insurance company for small costs of insurance.

This will help keep your policy secure in the end and help secure your car in times of emergencies.

Another question that comes to mind is: Is maintaining coverage for collisions on older cars worth it?

This is another factor worth considering, as older cars are prone to lesser costs and frequent repairs. Coverage for collisions covers all damages incurred by your vehicle if there are damages due to full on collisions with another car, public buildings, or property. An older car is not that precious to customers anymore and many think of the point of paying for possible repairs to a car, which if damaged, will probably be replaced or sold off.

Ironically, coverage for collisions can cost more than the overall worth of the old car. Auto insurance quotes in San Jose do offer coverage services for older cars. You have to keep in mind the value of your old car. If it is worth say a few thousand dollars, it is not worthwhile to pay for collision coverage, as it will end up being an impractical investment.

However, collision cannot be avoided entirely if the loan for the vehicle is not fully paid off yet. However, if the premium payment equals almost ten percent or more of the car’s value it makes no sense to opt for collision coverage.

There are national used car guides available for individuals to also check the value of their old car and act accordingly.

A thousand questions like these may come to mind before opting for a car insurance plan. The main thing to remember is that one should always opt for getting insurance. Insurance is a legal necessity in San Jose and all of California. Without insurance, you are not protected or secure as far as your car is concerned.

Therefore, make sure to consult insurance agents or brokers as they may provide unbiased opinions. In addition, comparison of all auto insurance quotes in San Jose is a pre-requisite towards finding out the best possible insurance plan for you.

Taking professional help towards choosing your insurance plan will never be a mistake. You are advised to do your research and pick your package of choice accordingly.

If you desire to compare car insurance quotes in San Jose, just putting in the zip will do! It’s all for free!