If you are a resident of California, you cannot drive a vehicle
without appropriate auto insurance coverage. To get competitive insurance
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Auto Insurance Requirements in California (car insurance rate quote, auto insurance quote rate, free car insurance rate, home insurance quotes)
As long as you can show proof of your ability to take financial
responsibility for damages that occur in the event of an accident you are not
required to maintain an automobile insurance policy in California. However,
when you consider the stringent compensation policy of the state, you cannot
avoid buying an insurance policy for meeting the minimum liability coverage. Failure
to maintain a car insurance policy leads to suspension of vehicle registration.
Moreover, you will be fined, your vehicle will be impounded or you will be
given a traffic ticket if you fail to provide proof of your financial
responsibility while driving.
Hence, while purchasing a vehicle insurance policy, you should
take into account, the minimum liability coverage required in the state.
According to the California insurance laws, the minimum liability coverage for
injury or death is $15,000 per person and $30,000 when more than one person is
involved in the accident. In case of damage to property, the minimum liability
coverage is $5,000. In California, teenagers, not less than 15 ½ years can
drive a vehicle. The same stringent driving law also applies to teenagers.
Therefore, before allowing your teen to drive a car, remember to add the
teenaged driver to your current vehicle insurance policy.
How to Choose an Auto Insurance Policy (quotes
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Deductible
The goal of every insurance policy buyer is to get a best value
for money deal. The premium of an auto policy depends on the insurance
deductible. Policies with higher deductibles attract lower premium and vice
versa. If you are a seasoned driver or if you drive occasionally, you can go
for higher deductibles. However, high risk drivers, teen drivers and people
driving a leased vehicle should not opt for high deductibles.
Limit
The minimum liability requirement meets only a fraction of your
total damage cost. Therefore, you must purchase more liability insurance that
covers a significant amount of repair expenses and medical costs in the event
of a serious automobile accident.
Auto Insurance Quotes
As every auto insurance provider follows different formulae for
calculating premiums and driver risk, the insurance premiums vary
significantly. Hence, remember to compare auto quotes obtained from different
auto insurance companies before selecting an appropriate policy.
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