On July 1, 2008, two new laws impacting the use of cell phones while driving a motor vehicle in California will go into effect.

The first law prohibits all drivers from using a hand-held wireless telephone while operating a motor vehicle in California except for adults using a hands-free device.
 

Auto insurance protects against financial loss if you are involved in a collision. It is a contract between you and the insurance company. The insured agrees to pay the premium, or cost of insurance, in exchange for the insurer’s agreement to pay for losses defined in the insurance policy.

Whether you are involved in an auto accident or your auto is damaged or stolen, your first step in filing a claim is to call your insurance agent or company immediately to report the loss.

You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs.

In an effort to stem the tide of uninsured drivers in California and offer a low priced insurance policy for the poor, state legislators created the California Low Cost Automobile Insurance Program.

The pilot program was launched on July 1, 2000 for San Francisco and Los Angeles county drivers. Since then, the program has expanded into all 58 counties.