Question 1

How does QuoteMoto compare insurance rates?

Accepted Answer

QuoteMoto compares insurance rates from multiple top-rated providers in real-time. We partner with leading insurance companies to provide you with accurate quotes based on your specific information, allowing you to compare coverage options and prices side by side.

Question 2

Is QuoteMoto a licensed insurance broker?

Accepted Answer

QuoteMoto is a licensed insurance broker in California, helping drivers connect with trusted insurance carriers. Our team of licensed agents can help you navigate the insurance process from quote to policy purchase.

Question 3

Are the quotes I receive accurate?

Accepted Answer

Yes, the quotes you receive are accurate based on the information you provide. The more detailed information you give us, the more precise your quotes will be. Final rates may vary slightly upon the insurance company's final verification of your information.

Question 4

How do I get an insurance quote through QuoteMoto?

Accepted Answer

Getting a quote is simple: Fill out our online form with basic information about yourself, your vehicle, and your driving history. Within minutes, you'll receive multiple quotes from top insurance providers. You can compare these quotes online or speak with one of our agents for personalized assistance.

Question 5

What are California's minimum car insurance requirements?

Accepted Answer

California requires drivers to carry liability insurance with minimum limits of $30,000 for injury/death to one person, $60,000 for injury/death to more than one person, and $15,000 for property damage (30/60/15). This increased from the previous 15/30/5 limits as of January 1, 2025 through Senate Bill 1107 (Protect California Drivers Act).

Question 6

How much does car insurance cost in California?

Accepted Answer

The average cost of car insurance in California is $1,868 per year for full coverage and $619 for minimum coverage. However, rates vary based on your location, driving history, age, vehicle, and other factors.

Question 7

How can I lower my car insurance premium?

Accepted Answer

You can lower your car insurance premium by maintaining a clean driving record, bundling multiple policies, increasing your deductible, taking advantage of available discounts (good driver, good student, safety features), and comparing rates from different providers through QuoteMoto.

Question 8

Does my credit score affect my car insurance rates in California?

Accepted Answer

No, California law prohibits insurance companies from using credit scores to determine auto insurance rates. This is one of several consumer protection laws in California designed to ensure fair insurance pricing.

Question 9

Do I need comprehensive and collision coverage?

Accepted Answer

While not legally required, comprehensive and collision coverage are highly recommended if your vehicle is newer or of significant value. Comprehensive covers non-collision incidents (theft, vandalism, weather damage), while collision covers damage from accidents regardless of fault. If you have a car loan or lease, your lender will likely require both coverages.

Question 10

What is an SR-22 and why would I need one?

Accepted Answer

An SR-22 is a certificate of financial responsibility that verifies you have the minimum required auto insurance. You may need an SR-22 if you've been convicted of a DUI/DWI, had multiple traffic violations, been caught driving without insurance, or had your license suspended or revoked.

Question 11

How long do I need to maintain an SR-22 in California?

Accepted Answer

In California, you typically need to maintain an SR-22 for three years from the date of your conviction or license reinstatement. If your insurance lapses during this period, your insurance company must notify the DMV, which could result in license suspension.

Question 12

Will an SR-22 make my insurance more expensive?

Accepted Answer

Yes, having an SR-22 typically increases your insurance premiums because you're now considered a high-risk driver. However, rates vary significantly between companies, which is why comparing multiple quotes through QuoteMoto can help you find the most affordable option.

Question 13

Can I get SR-22 insurance if I don't own a car?

Accepted Answer

Yes, you can obtain a non-owner SR-22 policy if you don't own a vehicle but need to fulfill an SR-22 requirement. These policies provide liability coverage when you drive cars you don't own and satisfy the SR-22 filing requirement.

Question 14

Is motorcycle insurance required in California?

Accepted Answer

Yes, motorcycle insurance is legally required in California. Riders must carry liability insurance with minimum limits of $15,000 for injury/death to one person, $30,000 for injury/death to more than one person, and $5,000 for property damage.

Question 15

Do I need insurance for my scooter or moped in California?

Accepted Answer

If your scooter or moped has an engine larger than 150cc, is capable of speeds over 20mph, or cannot be pedaled, it's classified as a motorcycle in California and requires motorcycle insurance. Smaller scooters and mopeds have different requirements, but insurance is still highly recommended.

Question 16

Does motorcycle insurance cover my passengers?

Accepted Answer

Basic liability insurance will cover injuries to your passenger that you're legally responsible for, but it may not provide all the protection you need. Consider adding guest passenger liability coverage or medical payments coverage to ensure better protection for your passengers.

Question 17

Can I get discounts on motorcycle insurance?

Accepted Answer

Yes, many insurance companies offer discounts for motorcycle safety course completion, multiple policy bundling, membership in motorcycle associations, anti-theft devices, and maintaining a clean riding record. At QuoteMoto, we help you find all eligible discounts.

Question 18

What is non-owner car insurance?

Accepted Answer

Non-owner car insurance provides liability coverage when you drive vehicles you don't own. It's designed for people who frequently rent cars, use car-sharing services, borrow cars from friends or family, or need to fulfill an insurance requirement despite not owning a vehicle.

Question 19

Who should consider non-owner insurance?

Accepted Answer

You should consider non-owner insurance if you: frequently rent or borrow vehicles, need to maintain continuous insurance coverage between vehicles, require an SR-22 but don't own a car, or use car-sharing services regularly. It provides liability protection and helps prevent gaps in your insurance history.

Question 20

What does non-owner insurance cover?

Accepted Answer

Non-owner insurance typically includes liability coverage for bodily injury and property damage you cause to others while driving a borrowed or rented vehicle. Some policies may also include medical payments coverage and uninsured/underinsured motorist protection. It does not cover damage to the vehicle you're driving.

Question 21

Is non-owner insurance cheaper than regular auto insurance?

Accepted Answer

Yes, non-owner insurance is generally less expensive than standard auto insurance because it doesn't include comprehensive or collision coverage (since there's no owned vehicle to cover). However, rates vary based on your driving history, location, and coverage limits.

Frequently Asked Questions

General Questions

Car Insurance FAQs

SR-22 Insurance FAQs

Motorcycle Insurance FAQs

Non-Owner Insurance FAQs

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