Best Cost Car Insurance

Can i have 2 insurance companies 1 for Liability and 1 for comprehensive coverage?

I qualify to be enrolled in the California low cost auto insurance program. However my car is currently being financed and I would also like additional protection just in case something where to happen. I wanted to save money and know if it it possible to get 2 insurance companies. I just called the rep for the program and she said that it was possible however the liability rate maybe higher.

Public Comments

1. It is possible if you conceal information from the insurance companies. However, I wouldn't advice it because by having double coverage in case of an accident if the damages exceed your coverages your other insurance would kick in. If the insurance companies find out that you have double coverage neither one will cover your losses.
2. Yes it is possible but it is not a very wise descision because if you are found to have 2 insurance companies during a reported accident both of your insurance companies would find your coverage within your contract to be void; therfore you would be stuck paying for all the damages (yours and the other persons car-depending on there insurance) it is still possible your insurance would cover the other persons but not yours.
3. So long as both companies know, you can do whatever you want. I forgot what it is called but there's a legal term for it. In practice, if you claim you'll get 50% from one company and 50% from the other. It will benefit only the insurers and you'll just pay a bigger premium. Basically it's useless, but yep you are free to go ahead unlike what these gentlemen said.
4. You see, when financing you are under legal obligation to get comprehensive insurance, and by law you are obliged to have liability, so what you are asking is what everybody gets *bar none*. And there's no need to use two insurers.