California Auto Insurance - Driving Legally
California Auto Insurance - Driving Legally
California state is not left out from the list of states that has mandatory minimum coverages for anyone who wants to drive in the state. We would try to look at these state required minimum so you would not be taken by surprise.
The state of California requires two different liability coverages - Bodily injury and property damage.
There is a state minimum of $15,000 per person for bodily injury and $30,000 per accident for same. Liability for property damage is set at a minimum of $5,000.
Coverage for bodily injury takes care of lost wages, funeral costs, medical costs etc. You should know that this is only a minimum and does not mean you can not be liable for more than this. It only means that any extras would be paid from your pocket. The same goes for property damage liability. Also very important to note is the fact that YOU are not covered in this. This coverage is for others who are affected in an accident in which you are at fault.
You can help yourself by getting more coverage than this. More coverage can ensure that you and your property are covered and your liability coverage extends to more than the state's required minimum. This is surely a good idea. However, many people would run from it because of the cost. I would close by giving you a few ideas to help you find affordable auto insurance.
You can get affordable auto insurance by getting and comparing quick auto insurance quotes. When you compare quotes, you are better positioned to find much cheaper policies.
You can also reduce your rates by taking advantage of discounts. Discounts possible include: Good driving discounts, multiple policy discounts, no claim discounts, low mileage discounts, multiple auto insurance policy discounts, safety discounts, security discounts, good grade discounts etc. These discounts were put in place by insurance companies as incentives and rewards for existing and new customers. Knowing and taking advantage of these discounts would surely increase your savings. Please, ask your insurance agent for clarification on this issue. You can make significant savings if you combine quotes comparison and discounts.
Finally, if you are ever confused about anything or just need some information concerning auto insurance in California, just get in touch with the California Department of Insurance directly at 916 492-3500. Get the most out of your car insurance coverage today.
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