California Auto Insurance – Be a Well-Informed Shopper!
It can be confusing to untangle the legal and financial realities of auto insurance. Be that as it may, it is required by law, and so every driver has to have it. Luckily, it is easier than ever to search hundreds of companies and compare rates online. The best place to look is at caautoinsurancequotes.net. This is because the quote box at this site allows you to enter your specific information in order to obtain highly accurate quotes for easy comparison. Read on for more information about what you can expect to pay for insurance in California, as well as a few things you can do to save.
CA Auto Insurance Laws and Regulations
California observes the tort system, which means that someone must be found at fault in the case of an accident. For this reason, all drivers are required to carry liability insurance (bodily injury and property damage). While you might not want to pay the monthly bill, you will be glad you did if you are ever found at fault in an accident. This is when the insurance company steps in to pay damages to the other party so that you don’t have to. Unlike some other states, there are no other minimum requirements in California. Regardless, you may want to buy extra insurance to cover other eventualities like theft, natural disasters, or personal injury. California leaves it up to you. Take a look at the following data to see what the state requires and what kind of coverage most people buy:
|Type of Coverage||Minimum Requirements||Suggested Coverage|
|Bodily Injury Liability||$15,000-$30,000||$100,000-$300,000.|
|Property Damage Liability||$5,000||$100,000|
|Uninsured Motorist Bodily Injury||Not required||$100,000-$300,000|
|Medical Payments||Not required||$5,000|
|Collision||Not Required||$500 deductible|
|Comprehensive||Not required||$250 deductible|
Speed limit laws in California are no more popular that they are in the rest of the country, but they do indeed serve a purpose. Speed limits are determined by careful analysis of past accident data and road designs and are intended to keep the streets as safe as possible. In California, speed regulations are as follows:
|Rural Interstate||70 mph (trucks 55mph)|
|Urban Interstate||65 mph (trucks 55mph)|
|Other Limited Access Roads||70mph (trucks 55mph)|
|Other Roads||65 mph (trucks 55mph)|
Get More Information About California Auto Insurance
In addition to having proof of insurance in your vehicle at all times, you also need to carry your vehicle’s registration. For more information about how to register your car, get an ID card, or a driver’s license, visit the California Department of Motor Vehicles website.
You can also get more complete information about insurance laws and standards at: www.insurance.ca.gov.
For other useful statistics and practical information, visit the California state website.
Finding the Lowest California Auto Insurance
Your personal insurance rate will be derived from many different data points drawn from your personal history as well as the kind of vehicle you drive. While some of this will be beyond your control, there are some things that you can do to lower your premiums. These include parking off-street, installing an alarm, driving at off-peak hours, and maintaining a clean driving record, among other things. In addition, you have a lot of control over the type of insurance you buy. It is always worthwhile to look beyond the bottom line and read the fine print. This way you can be sure that you know exactly what you are buying so you won’t be surprised when the bill arrives.
Finally, you can use your power as a consumer to find the best deal available. This has never been easier when you visit caautoinsurancequotes.net. Enter as much information as possible into the quote boxes and this site will generate very accurate quotes. Now you can compare the options for CA auto insurance and choose the best one for you. Whether you like it not, insurance is required by law. What’s more, you might just be glad you have it one day.
Check out our quotes comparison tool to easily compare rates from top companies!
For specific information on money-saving tips for major California cities, you can also visit the following links:
- Los Angeles Car Insurance
- San Diego Car Insurance Quotes
- San Francisco Car Insurance
- San Jose Auto Insurance
- Fresno Auto Insurance Quotes
State of California Government Website
California State Guide