What You Need To Know About California Car Insurance

Zip Code:
Currently Insured?
Homeowner?

Minimum California Auto Insurance Requirements

Driving a car in California means abiding by the law. California car insurance is mandated by law to be active for any person driving a motorized vehicle. Having car insurance protects the driver, passengers and any other people or property in case of a car accident. The minimum insurance requirements in California are having liability insurance with $15,000 coverage to any one person and $30,000 in coverage for more than one person. Property damage insurance has to meet the minimum requirement of $5000.

Car insurance coverage can also be covered by a cash deposit bond posted at the DMV in the amount of $35,000. This would meet the minimum requirements required by California auto insurance laws. Car insurance rates vary from state to state. These rates fluctuate based on a multitude of factors. California is predominantly one of the states that carry high insurance rates.

How Can You Find Lower California Car Insurance Rates?

Some of the determinant insurance factors that preclude the basing of insurance rates are the age of the driver. The younger the driver, the more prone the driver is to having an accident. The most accident prone ages are those from 16 to 24 years of age and 75 years and older. So with a good driving record within those years considered high risk will eventually lead up to lower car insurance rates within the safe driving years. These safe driving years are considered between ages 25 and 64.

Understanding how car insurance companies rates drivers based on demographics, driving history during the most tenuous years and what part of the country they live can help relieve the sticker shock that accompanies car insurance premiums.

Even though California is considered one of the top 5 states with the highest insurance premiums, it is still considered affordable. With competitive pricing being introduced in California between insurance companies, one can expect to pay in the neighborhood of $1400 to $1600 yearly depending on the coverage needed.

Compare Rates In Order To Get The Best Deal on Auto Insurance

The best course of action to take to get the most affordable car insurance quote in California is to visit numerous insurance websites. The more sites that you visit will enable you to see the wide range of insurance premiums that can be made available.

Using this strategy can be to ones advantage in finding the most affordable car insurance premium. Each particular insurance company has a website where people can put in their relevant information and find out what their premium would be based on the coverage entered.

This strategy can be time consuming in finding the most appropriate car insurance companies but there is a website that allows you to input the car information one time only and quotes from various insurance firms will be displayed.

This is a huge time saver because the information is entered once and then the car insurance database is searched to give the consumer the most optimal results for car insurance premiums. Starting from the zip code and entering individual car model, policy coverage and personal information to the website Californiacarinsurancerates.org will give the person a complete comparison of various premiums.

For money-saving tips on major California cities, check out the following reports: