Revisiting California Auto Insurance Requirements

If you drive a vehicle in California, you will want to make sure that you understand all of the auto insurance requirements. It can be very costly if you do not have the minimum coverage that is required by the state. You will not only be heavily fined, but your car can also be impounded. If you are involved in an accident and do not have the proper coverage, you will be personally responsible for any injuries or damages that occur.

Minimum Liability Requirements

In the State of California you must be covered for at least $5000 for damage to property, $15,000 for injury or death to one person, and $30,000 for injury or death to more than one person. This insurance will compensate any person other than you for any type of personal injuries and property damages that are caused by the policy holder.

Keep in mind that mandatory liability insurance will not protect your vehicle in an accident. In order to cover your vehicle you will need collision or comprehensive coverage which will protect you in the case of an accident with an uninsured motorist. This coverage is extremely important because most individuals who are driving while uninsured, will most likely not have the required funds to pay for the damages or injuries sustained by you.

Insurance providers in the State of California are now also linked to the DMV computers which will be automatically notified when a lapse of coverage has occurred. The registration on the vehicle will then be immediately suspended and if you happen to be pulled over by the police, the vehicle will be impounded. This is why it is crucial if you are going to be driving in the State of California that you are current on your auto insurance and your policy is active.

Shopping For Cheap California Auto Insurance

In order to find the most affordable rates on California auto insurance, you will need to do some research and gather quotes from several insurance companies. Each company will have different rates and may have unique policies or procedures, so be sure that you clearly understand everything before signing any agreements.

If you want to find cheap California auto insurance, most providers will offer several types of discounts or rebates, so be sure to ask to see if you qualify for any of these as they can often save you money. Often times, people are not aware of these discounts and are paying more than is necessary for their auto insurance.

This entry was posted on Friday, July 23rd, 2010 at 10:49 pm and is filed under California Auto Insurance Requirements, Cheap Auto Insurance, cheap California auto insurance. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.