California Car Insurance
Did you know that if you operate a motorized vehicle in the state of California you are required to have auto insurance? If you don’t have insurance or you feel you are paying too much for your current car insurance policy, it is time for you to start your search for CA auto insurance.
Finding car insurance in California doesn’t have to be a huge hassle or a waste of your time. You can begin your search now with our free CA car insurance quote tool located at the top of the page. All you need to do to get started is enter your zip code.
You can receive multiple quotes from top CA insurance companies to compare side by side. It is always important to shop around to ensure that you are getting the best deal possible. Our car insurance quote tool makes this quick and easy. Get started finding your CA car insurance policy now!
Here is some basic information that will be helpful to you in your search for a CA auto insurance policy.
CA State Minimum Car Insurance Requirements
Not only are you required to have auto insurance in CA, there are also minimum requirements your policy must meet.
The CA state minimum car insurance requirements are as follows:
- $15,000 for injury to one person
- $30,000 for injury to more than one person
- $ 5,000 property damage
CA State Proof Of Auto Insurance Coverage Requirements
In the state of CA you are not only required to have an auto insurance policy, but you are also required to carry proof of liability insurance in your vehicle at all times.
If you are pulled over and cannot show proof of insurance you can be fined and your vehicle can be impounded. Fines for this start at $500 and you may also have to pay court costs.
It is not only important to have a California car insurance policy in place, but it is important to remember to keep proof of your insurance policy in your vehicle at all times!
Types Of California Auto Insurance Coverage
- Collision Coverage: Covers damage to the vehicle resulting form an accident
- Comprehensive: Covers damage to the vehicle that are not a result of an accident such as fire, theft, or vandalism.
- Bodily Injury Liability: Covers injuries sustained in an car accident
- Property Damage Liability: Covers damages you cause in your vehicle to someone else’s property
- Uninsured/ Underinsured Motorists Coverage: This covers you in the event that someone damages your car in an accident but is not insured or is underinsured.
CA State Department Of Insurance Mediation Program
If you are in an accident and are trying to deal with the insurance company about your claims, you may find the CA Department of Insurance Mediation Program to be helpful to you. The Mediation Program can help you solve your dispute with the insurance company.
Some of the issues that are eligible for the Mediation Program include:
- Methods of Repair
- Cause of Damage
- Value of Total Loss
The Mediation Program does not dissolve disputes related to the following:
- Commercial Automobile Coverage
- Claims to Someone Else’s Insurance Company
Top California Car Insurance Companies
How do you decide which California car insurance company to purchase car insurance from? When choosing an auto insurance company, you will want to choose a large company that has a good reputation.
Some of the top car insurance companies in California include:
- AllState
- Progressive
- State Farm
- Geico
- 21st Century
These are just a few of the top companies that are licensed auto insurers in California. When shopping for auto insurance it is important to compare quotes from multiple insurance companies to guarantee that you are getting the best deal available to you.
You can start comparing CA auto insurance quotes now with our free CA auto insurance rate finder located at the top of the page!
7 Things Affecting Your CA Auto Insurance Rate
- Gender: Typically male drivers cost more to insure than female drivers.
- Age: Younger drivers cost more to insure.
- Your Vehicle: Fast, sporty cars can increase your car insurance rates
- Credit Score: Having a poor credit score may make insurance companies view you as a higher risk
- Claims History: Having a history of auto insurance claims can increase your car insurance rates
- Driving Violations: Speeding tickets and other violations can increase your rates.
- Location: Where you live can affect you auto insurance rates.
Cheap California Auto Insurance
No one wants to spend a fortune on car insurance. But finding low cost auto insurance in California is not always easy.
However there are a few ways that drivers can lower the premiums to save money on their California auto insurance policy.
- Raise your deductible:
Having a higher deductible can lower your auto insurance premiums. Just make sure you will be able to opay the deductible in the event of an accident.
- Eliminate unnecessary coverage: You may have some unnecessary coverage on your policy. See what you are paying for and make sure that you are not spending money on coverage you don’t really need.
- Avoid buying certain vehicles: Some vehicles are higher risk to insurance companies such as vehicles that get stolen more often than others or vehicles that are expensive to repair. Insuring these kinds of vehicles will be expensive.
- Look for discounts: Most insurance companies offer discounts such as a safe driving, low mileage, or good student discount.
- Shop around: Comparing multiple quotes from top CA car insurance companies could also save you money. Make sure you are getting the best rate available to you by comparing quotes often.
Compare Free California Health Insurance Quotes Now!
Start comparing quotes today with our free CA car insurance quote tool located at the top of the page.
It is quick and easy to use. Comparing quotes from multiple insurance companies could save you money on you CA auto insurance policy!
Get your free CA auto insurance quotes now!