Obtaining Car Insurance in Glendale

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: Oct 6, 2016

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Here's what you need to know...

  • Glendale, California, requires responsibility if you are at fault in an accident
  • Glendale’s population is steady
  • Car insurance rates in Glendale are quite high
  • Comparing quotes is a great way to find the insurance you need at a price you can afford

Like every city, there are specific requirements for auto coverage. Glendale follows California law regarding coverage amounts and penalties for failing to obtain car insurance coverage.

These laws are aimed at protecting residents from financial liability in the event of an accident.

The money that a car insurance company pays out is used to compensate the person who was injured or who suffered property damage, not the owner of the insurance policy.

The minimum amount needed is as follows:

  • $15,000 bodily injury liability for one person
  • $30,000 bodily injury liability total for accident
  • $5,000 property damage liability

If the car is financed, these limits are not usually high enough to satisfy a lender.

Without this critical coverage, a person is unable to register a vehicle and is subject to heavy penalties if caught driving without it.

In 2006, the California Department of Motor Vehicles began electronically verifying insurance coverage on cars. Insurance companies report changes in coverage directly to this office, according to the California State Vehicle Code 16058.

If you find yourself needing car insurance, take the time to compare car insurance with our FREE search! Enter your ZIP code at the top of this page!

Glendale History

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Once a diminutive suburb of Los Angeles, Glendale has exploded into a metropolitan area encompassing thirty square miles.

The population of the Jewel City has increased by over 40 percent in the last three decades. The rise is largely attributed to increased immigration and births.

With an estimated 196,000 people residing there, the population trend for Glendale is predicated to remain steady over the next few years.

While the majority race is white, many diverse ethnic backgrounds can be found in Glendale. Sixteen percent are Hispanics makeup 16 percent of the population and another 16 percent are Asian.

Glendale residents had a varied range in annual incomes. While some residents report earnings well over $100,000, many earn less than $20,000 each year.

The poverty rate is between five and twenty-five percent, depending on the census area. Public transportation is available; however, the majority of residents drive.

Laws for Auto Insurance in Glendale

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With the goal of removing uninsured cars from the roadway, court personnel and law enforcement have instant access to the Department of Motor Vehicles database. Drivers are required to carry proof of car insurance at all times. Examples of acceptable proof include:

  • A California Proof of Insurance Certificate, also known as an SR-22
  • A car insurance card issued by the carrier
  • An authorization letter from the Department of Motor Vehicles

Since it is the law that all cars operating on the roadway or parked on the street carry liability insurance, the Department of Motor Vehicles is notified whenever an insurance policy is cancelled or has lapsed. The car owners have 45 days in which to submit a replacement policy.

Transfers of ownership must also be accompanied by proof of insurance. This must be done within 30 days of the transfer occurring.

If these rules are not adhered to, the agency will suspend the registration of the car. Other penalties for violating the Glendale law or providing false evidence of insurance include:

  • A citation
  • Impounding of the vehicle
  • Personal accountability for any damage caused by an accident

Once a car’s registration has been suspended, a reinstatement fee and proof of insurance will be required.

These items can be mailed directly to the Department of Motor Vehicles, or completed online. The agency also offers a voice automated system, which can be accessed by calling 800-777-0133.

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Glendale Car Insurance Companies and Agents

Insurance companies sell risk management. They basically transfer the financial risk of an accident to themselves in exchange for a monthly car insurance premium. If there is an injury or property damage as a result of a collision, the company pays for part of the expense.

The amount that they are financially responsible for varies, depending on the actual policy and limitations. This is why it is crucial to read and comprehend the details of coverage.

Insurance agents represent an insurance carrier. They may work for a single company, or they may be an independent agent. The difference is that an independent insurance agent contracts with multiple insurance carriers.

If they cancel their contract with one, they still retain the ownership of the insured’s account. They may choose to place the account with another carrier that they represent. Independent agents are not paid by salary. Instead, they earn a commission based off their policy sales.

Insurance agents usually provide their services free of charge to clients. They can be a very useful resource for choosing and understanding complex insurance issues. Here are some ways in which they help:

  • Some may sell different types of insurance, thereby increasing consumer savings through bundling policies.
  • They can provide guidance in selecting adequate coverage and policy terms.
  • An agent gives personal assistance with the application and approval process.
  • They are a personal contact who is able to handle claims or issues that may arise regarding the policy.

Average Glendale Auto Insurance Costs

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The actual amount that auto insurance will cost can vary greatly. It depends on where the car’s location, the driver’s record, and the type of policy.

Glendale has the highest car insurance rates in the state of California.

The State of California is the 19th highest in automobile insurance rates when compared to the national median. A history of collisions, DUI charges, or excessive claims can raise this number significantly. This is why comparing auto insurance quotes is so beneficial.

Parking arrangements may also make a difference. Cars that are kept in a garage or parking structure may enjoy lower policy rates than one left on the street.

The risk of auto theft also increases the policy premium amount. In Glendale, the risk of a stolen vehicle is the greatest for Honda, Toyota, Acura, Nissan, and Ford.

Glendale Driving and Car Insurance Statistics

Due to the concentrated population in Glendale, traffic accidents are common. According to the California Highway Patrol Statewide Traffic Records System, Glendale averages around 1,000 accidents a year.

There are around 130 pedestrian accidents, 40 bicycle accidents, and 30 motorcycle accidents involving cars annually. This is much lower than the state accident statistics. In 2013, there were 8 fatalities in motor vehicle accidents.

Tips for Choosing the Best Rates

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Don’t compare premiums. Before considering which company is the cheapest, the coverage should be compared. There is much more to automobile insurance than the monthly cost.

  • Deductibles – The general rule is that the higher the deductible is, the lower the rate will be. This can be problematic if the policyholder is not able to meet the deductible requirement. Make certain that the amount can be reasonably and comfortably be met if there is an accident.
  • Exclusions and limitations  – It may not cover some types of damage unless an additional premium is paid.
  • Cover limits may vary – It is a good idea to know beforehand how much coverage is needed in order to secure assets.

Money Saving Options

It is essential to periodically review insurance coverage needs and make changes when necessary. Some people are surprised to discover either they are under-insured, or that they are spending too much on premiums.

Find the best car insurance rates for Glendale by comparing rates right away. There is absolutely nothing to lose, and checking may result in finding significant savings. So why are you waiting to compare car insurance online?

It’s as easy as entering your ZIP code and allowing us to compare!

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