Looking for cheap auto insurance in California? Use our quotes tool above to compare auto insurance companies in California. Get the cheapest auto insurance in California. Just type in your zip code above to compare the auto insurance companies in California. There’s a few things you should know about auto insurance in California; first like all states there are a few minimum requirements, such as liability insurance which meets state requirements. To meet state requirements auto insurance in California must have at least:
- $15,000 for injury/death ( Bodily injury liability)
- $30,000 for injury/death to more than one person ( Bodily injury liability)
- $5,000 damage to property ( Property damage liability)
*The coverage above is commonly referred to as 15/30/5*
Liability insurance in California is mandatory. Incase of an accident in which you are at fault, liability insurance will pay for medical bills, lost wage bills and for damage to the vehicle or property. Although 15/30/5 coverage is the minimum state requirement it is recommend that you purchase auto insurance with more coverage as the coverage above may not be enough.
What you need to know about auto insurance in California:
Like most states California is not a no fault state; California follows the finical responsibility law. The finical responsibility law requires California (CA) drivers to carry a policy which incase of an accident will cover the other parties medical bill and property damage bill. This coverage is commonly referred to as 15/30/5 and is mentioned above.
You must carry proof of insurance. If asked by a Law enforcement officer you must show your auto insurance policy, not having your policy with you is no excuse. If you are caught without insurance documents with you, you will be fined. The fine amounts can vary but expect to pay $300 to $500 for your first offense. If you get caught without insurance multiple times you might have your license suspended for up to one year or more.
Since California is a not a no fault state it is highly recommend that you have some form of protection for yourself. It is advised that you look into comprehensive auto insurance. The average bodily claim for insurance in 2010 was around $14,000, and the average claim for property damage was near $3000. Unless you have $17,000 saved up somewhere it is highly recommend that you look into comprehensive auto insurance.
How to get cheap auto insurance in California
Want to get low cost auto insurance in California? Follow our tips below to get the best savings!
Tip #1 – Raise your deductible. Car insurance policies in California generally set your accident deductible at $500. If you increase your deductible your car insurance cost will go down.
Tip #2 – Take a defensive driving course. Finishing a defensive driving course will usually decrease your auto insurance costs. It’s best to talk with a company representative and ask them about their policy on this. Some companies give discounts some don’t. You can use our cheap auto insurance in California quotes tool above to find companies which may offer a discount.
Tip #3 – Get an anti theft device. Certain models of cars are more likely to be stolen, if your car is one of those models expect to pay a premium. If you purchase extra anti-theft protection you might be eligible for a reduced insurance price. Like most savings this will depend entirely on the insurance company so it is best to contact a representative.
Tip #4 – Avoid excess insurance. Do you already have medical insurance which will cover you incase of an accident? If so comprehensive auto insurance may not be necessary for you. Since car insurance in California doesn’t require your auto insurance to cover your medical insurance you will get big savings by not purchasing excess insurance.
That’s it were done! Follow the tips above to get the cheapest auto insurance in California! If you need more information and want to save more money on auto insurance in California check out more of our articles, there packed with great free information.
