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California Auto Insurance Frequently Asked Questions

When in search of the best and most convenient auto insurance in California, you should not go out there blindly because it is a jungle just like any other market place. Here are few questions and its answers that may be of help on making viable decisions.

What is the recommended minimum auto insurance coverage that I should carry in California?

In some states in the US, all that you need is some kind of proof that you are able to cover expenses and damages that may arise from a car accident in which you are at fault. In the state of California, this is not the case. It is mandatory for all vehicle owners to have minimum liability insurance or proof of financial responsibility. The state has laws that outline the minimum liability that one should be able to cover in the event of an auto accident. One is required to have a minimum of $5,000 for property damage caused by an auto accident, $15,000 for death or injury to one person or $30,000 for injury or death to more than one person. It is however not prudent to stay at the limit. This is because what the coverage offers is so basic that other cost related to the accident like medical, towing, storage, repair expenses and many other expenses may drain your account in a flash. Always be safe than sorry by having your California car insurance policy on the higher side. Hence, the recommended minimum auto insurance coverage would be around $100,000 for injury or death to one person and about $300,000 for more than one person.

Can I get California cheap car insurance?

The answer is yes and here is how. A couple of years back the state introduced the CLCA or California Low Cost Automobile insurance program that was specifically aimed at motorists who are low income earners. The standard car insurance premiums can get really high for most people to afford and hence the need for cheaper insurance plans. You will be surprised to know that the CLCA insurance plan is supported by car insurance companies with the aim of taking off the extra burden as a result of high insurance premiums. All you have to do is qualify for the program and you can be on your way to an affordable insurance coverage. You have to prove that you cannot pay the available policies’ premiums by showing them your earnings, liabilities and personal assets and filling out their questionnaire. You must also be in possession of a valid license and a clean driving record. In contrast to the minimum liability limit required by the state, CLCA has a liability limit at a maximum of $3,000 for property damage for each accident, $10,000 for physical injury for one person for each accident and $20,000 for more than one person per accident.

You can find more answers to your unresolved questions online by providing us with your and find out all you can about California car insurance and its rates.