It is illegal to drive without car insurance in California. Every driver needs safe, reliable and low-cost auto insurance while driving on California roads. Do you want to learn how insurancemozo.com can save you money on your auto insurance in California? At insurancemozo.com we are experts on the California car insurance environment. We understand the value of important information necessary to find the Best California Car Insurance for you. The below information will help you find the cheapest auto insurance rates in California.
What are the minimum California Car Insurance Requirements?
Minimum liability requirements in California for car insurance are 15/30/5. That means:
$15,000 liability coverage per person for injury
$30,000 liability coverage per accident for injury
and $5,000 for property damage liability(damage to buildings, traffic signs or other party vehicles)
As you can see, these limits are quite low and you should always consider more coverage than California’s state minimums.
Does California offer Low Income Car Insurance Assistance?
Yes, California has an auto insurance program designed to help low income drivers obtain car insurance coverage below the minimum required. The program is called the California Low Cost Auto Insurance Program (CLCA). More info
What is TORT State?
California is a “tort state”. This means that if a driver is found to be at fault in an accident s/he will have to pay the charges for other driver’s medical expenses as well for any damage to his/her vehicle. Second party can also claim money for lost wages and his/her sufferings.
What kind of car insurance discounts are available in California?
Although car insurance in the state of California is higher than average, there are various discounts available in California such as green car discount, good student discount, good driver discount, safety course discount etc.
Please review several discounts available here and ask insurance provider at the time of insurance if you can qualify for one.
Should I buy UM/UIM protection?
Drivers in California are not bound to purchase UM/UIM protection coverage. However on the other hand it is always advisable to have this insurance cover. This is because if you are hit by an uninsured driver even if its their fault you will have to pay the bill if you are not covered by these coverage plans. Thus it is always advisable to prepare for this awkward situation before hand.
Official websites links:
California Department of Motor Vehicles:
www.dmv.ca.gov
California Department of Insurance:
www.insurance.ca.gov
The official California state website:
www.ca.gov
How do I get a California Car Insurance Quote?
Hopefully the list above helps identify potential auto insurance companies for your new policy however this is only a partial list and California is home to the largest auto insurance market with over 100 providers in the state. Your best option to find the most affordable car insurance coverage in California is to always start an auto insurance quote comparison search online. Just enter your ZIP code above to get FREE auto insurance quotes today.
California Department of Motor Vehicles
Office of the Director – George Valverde
2415 1st Avenue Mail Station F101
Sacramento, CA 95818
1-800-777-0133
