California Car Insurance, Auto Insurance Quotes
The basic Car Insurance Requirements in California are as follows:
Liability Insurance is a minimum requirement and a low cost car insurance option as long as the vehicle is not financed.
The liability Minimums are 15/30/5 (Bodily Injury and Property Damage)
The first 15 represents $15,000, the maximum coverage for one person’s injuries, $30,000 for the total coverage for all injuries sustained in one incident and last but not least $5,000 for the property damage maximum coverage amount.
Low cost California Insurance – Think Discounts
Please make note of the California minimum property damage requirement which is $5000. This is an extremely low requirement and it will only cost a a little extra to increase the State’s minimum liability limits. most cars on the road are worth well over $5000 which means if you are negligent in an auto accident, chances are your liability insurance won’t cover the entire property damage loss. Bodily injury may also be to low since the cost of health care continues rising. Make sure to choose a liability coverage you can feel comfortable with. There are many other discounts you can take advantage of without purchasing the least amount of coverage.
California Car Insurance Laws:
Insurance proof is a requirement at registration and of course after an accident. The First Offense Penalty is a $500 fine.
California Car Insurance Quote
For low cost auto insurance rates in California, start out by determining how much liability insurance you want on your vehicle(s) policy.
The next thing to determine is whether or not you really need to get the comprehensive coverage and collision coverage. This coverage is optional unless you currently have a lein on the vehicle. In these cases the lender will usually require the vehicle be fully covered.
For comprehensive and collision, the deductible is the amount your will need to pay before the Insurance company pays on any claim. Choosing a high deductible will help lower your auto insurance premiums. You should select a deductible you can come up with at any time. Ask yourself, If I were to crash my car today, how much money would I have available to pay the deductible so I car can get my car fixed?
You can find insurance providers offering discounts for driving courses taken, owning a hybrid, being a full-time student and even owning your own home. This way you can take advantage of all possible discounts available to you.
California provides a low-income car insurance program for those who fit certain income guidelines. This program was built to cut down on the number of drivers who continue driving without insurance due to the high cost of auto insurance coverage.
1 Person: 26,000
2 People: 35,000
4 People: 53,000
8 People: 89,000
There are also driver standards that must be met such as driving record, age and value of vehicle.
You can read more on insurance.ca.gov.