California Car Insurance – Auto Insurance Quotes in CA
Shopping for car insurance in California can be confusing with so many insurance companies claiming to offer the best rates. With MyCarInsuranceRates.com though, you have the ability to fill out your auto information once and receive multiple car insurance quotes from dozens of the best, reputable, and reliable car insurance companies competing for your business.
However, before you go ahead and buy a car insurance policy, we have put together important state information on California car insurance laws, regulations, and minimum liability requirements. We want our users to know exactly what the right amount of California car insurance looks like.
California Car Insurance Requirements
California auto insurance laws state that the Tort system is used in the event of an accident. This means that the driver who caused the accident will be accountable, along with their auto insurance company, for any and all damages. Failure to comply with California minimum car insurance laws can result in stiff penalties from fines to license suspension. Because of this, California drivers need liability insurance.
MyCarInsuranceRates.com offers several liability insurance options for California drivers comparing car insurance quotes, ranging from the state minimum auto insurance to full coverage insurance. It is also possible to customize your car insurance coverage to ensure that you and your family get the right level of liability coverage and protection for the lowest rates.
Understanding California Car Insurance Liabilities & Coverage
The State of California requires 15/30/5 coverage with minimum bodily injury, including medical expenses, liability limits of $15,000 per injured person and a total of $30,000 per accident. Property damage liability coverage has a minimum limit of $5,000, and includes coverage of public and private property repairs and claims. These liability limits are some of the lowest in the country and a 100/300/100 plan is recommended by most experts.
California Insurance Coverage:
- Bodily Injury Liability: $15,000/$30,000 Limit
- Property Damage Liability: $5,000 Limit
California car insurance also offers optional uninsured/underinsured motorist bodily injury coverage to protect drivers from other motorists without auto insurance or who are minimally insured. Any difference between the insurance coverage and the total damages is the responsibility of the driver at-fault. With MyCarInsuranceRates.com, consumers can easily get instant car insurance quotes for different levels of coverage, finding cheaper rates from the top best auto insurance companies in California.
California Car Insurance Laws & Regulations
In California, all vehicles on public roads must maintain proof of insurance, and keep the certificate with the vehicle at all times. The penalty for no proof of insurance carries a minimum fine of $500 and can result in the suspension of your driver’s license and court fees. If there is a lapse in car insurance, auto insurance companies are required to report the lapse in coverage.
Once you have purchased a car, you have 30 days to provide auto insurance information. When changing or canceling a policy, there is a 45 day grace period to obtain replacement car insurance. If these deadlines are not met, the car registration can be revoked and penalties may apply. If the owner of the vehicle gets into an accident during this time, they are responsible for all damages and may not submit a claim or ask for reimbursement from a previous car insurance company.
Average California Car Insurance Rates
In 2010, the average California auto insurance premium was $107.08/month or $1,285 per year, which is lower than the national average of $128.17/month or $1,538 per year. This is due to the lower liability limits for California car insurance. In addition, in 2010, California auto insurance rates saw a decrease in rate premiums.
However, shopping around can still help you save a lot of money. If your car insurance rates are higher than either of these premiums or your rates have not decreased in the last couple of years, enter your zip code to find California car insurance companies offering cheaper auto insurance. MyCarInsuranceRates.com can help you find the cheapest California car insurance.
California Car Insurance Quotes
With decreasing auto insurance rates, getting the best car insurance for the lowest premium is simple and easy with MyCarInsuranceRates.com. We help drivers find the cheapest car insurance quotes by encouraging reputable, reliable auto insurance companies to compete for your business with free online quotes.
Within the State of California, car insurance rates have changed over the past few years. Auto insurance rates were 22% lower in 2010 than in 2009. As a result, now is the perfect time to shop around for lower rates. Request a free car insurance quote online with MyCarInsuranceRates.com and discover how you could be saving hundreds of dollars a year from the best car insurance companies, such as Nationwide, Allstate, GEICO, Progressive, 21st Century Insurance, Liberty Mutual, State Farm, Farmers Insurance, AAA, AARP, and Esurance.
Enter your zip code to begin a free car insurance quote online now.
