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How to Get Accident Liability Protection form your Auto Insurance in California

These days the need to have your own vehicle is necessary. Young professionals and students have added to the number of vehicle owners in the state of California. Vehicle owners, upon purchasing a new car or pre-owned cars are required to have insurance. The auto insurance in California is strictly enforcing it’s the law to every resident who owns a vehicle(s), regardless of the driver. Each owner is required to show the financial capacity and responsibility, should there be accidents.

The auto insurance offers protection to both the vehicle owner and those who are victims of the traffic accident. The law stipulates that the minimum limits for the liability insurance are as follows; Bodily Injury – $15.000 for death/injury death of one person, $30,000 death/injury for more than one person and $5,000 for property damage. The minimum amount is set to provide assistance to the aggrieved party related to the accident.

Auto insurance regardless of the state you are coming from is beneficial. For one, it provides financial relief. Needless to say, people now are experiencing a monetary crisis; any emergency cases due to accidents are hard. It can deplete one’s savings down to the last cent. Paying for car repair to the party is also a financial burden, no matter how small the damage is, you still have to shell out money for the repair. When you have this kind of cheap car insurance in California, you are assured that your savings will not be affected.

Conversely, vehicle owners give peace of mind. Insurance companies will do the major leg work for you, without you having to be absent from work, doing all the follow up. Since most accidents in California involve teenagers, the owners of the vehicles or the parents are not financially obliged to pay for their son’s or daughter’s car accident. The insurance can handle it.

Since the car insurance laws in California are strictly implemented, failure to comply with means penalties. If your vehicle has no insurance or a single proof of financial responsibility, your car will be automatically impounded. Plus you may be given a citation. And what comes next are domino effects, license and registration revocations, and you are slapped with penalty fees.

How to accomplish the financial responsibility requirement is merely securing a car liability insurance, in which you will have to pay for the monthly premiums. Now, since some of the drivers who are not financially sounded, there are agencies that offer reasonable auto insurance in California.

From this page, you can enter your zip code to compare your current policy to a new one and know how much savings you can make. Alternatively for those who are planning to purchase a new car, you can also be directed to auto insurance companies that offer affordable premiums.

Why is California Car Insurance Necessary

If you are a resident of California or have just relocated here and you own a car, then you should be well aware of the laws and requirements in the state with respect to the laws regarding car insurance in CA. It does not matter whether you have bought a new car here or have transferred your car from another state, the car insurance laws and its requirements are a bit different and unique from other parts of US. The state of California only wants you to have an insurance that can protect you from the ever growing medical treatment cost and the loss of property, in case you had suffered an accident. We’ll take a concise look at the level of insurance your vehicle needs so that you are insured legally against loss of property and medical costs, if any. In CA, a legal car driver by law has to have body injury coverage of not less than 15000 dollars for a single injured, and a minimum of 30000 dollars for other injured persons in case of an accident.

This type of coverage is normally known as 15-30 BI. This might be seen as lots of money to cover the injuries but with the rising medical treatment costs these days, it is not as much as it seems to be, and you might consider increasing it to 50-100 BI.

According to car insurance laws in CA, a legal driver should also be having coverage of not less than 5000 dollars against damage to property. This gives you the coverage to the other car you damage in the accident. With the increased car prices these days, this amount also seems inappropriate and you might think of increasing this coverage to 30 or 50 thousand dollars per car. Apart from this basic coverage, your auto loan, if any, may also require that you should also carry collision & comprehensive coverage for the vehicles owned by you. This type of coverage makes sure that the repairing and replacement costs are also covered in case the car gets damaged in an accident.

The decisive cost however depends on the age and type of the car you have. Your auto loan lender can also ask you to avail of a comprehensive coverage, covering you against weather damage or the damage caused by accidents as a result of animal collision. Car insurance in CA also covers theft and loss of any other property inside your vehicle. The insurance costs for both the coverage again, depend on the amount of premium you select.

You can also consider uninsured and underinsured motorist coverage, as most people these days drive illegally with no auto insurance. The uninsured and under insured coverage covers both bodily as well as property damage.

Considering the fact that most people these days are cutting their household expenses, Car insurance in the state of California is a must if you are able to afford it.

Enter your ZIP code here to get more information and competitive rates.

Easier and Hassle Free Ways to Search for Car Insurance in California

Since time immemorial, man’s desire for the luxuries of life has resulted in the creation of scientific wonders. Times may have changed but even in this age of globalization, man’s insatiable desire for machines has only been catalyzed, not inhibited. In this regard, vehicles now occupy a significant role in our lives whether it is for business or family purposes.

However, as the saying goes “With great power comes greater responsibility”, purchasing a car also means adequate measures are to be adopted by the owner in order to ensure its longevity. Here lies the importance of insurance and insurance companies. The most significant objective of insuring one’s car against thefts, damages and accidents is to ensure economic safety of one’s car, thus enabling the owner to have a good night’s sleep.

In the year 2006, the Californian Department of Motor Vehicles took a number of steps in order to ensure better and easier car insurance in CA. The law stated that all drivers operating in the streets of California in their own car or someone else’s car MUST possess a proof of their auto insurance. Even those who possess a car, but do not use them must have a certain insurance coverage.

They must have an auto insurance policy with the following specified minimums:

1. $15,000 for death or injury of a single person

2. $30,000 for all people involved in a single accident

3. $5,000 for a single accident

Also, financial responsibility or security is a must for all Californian drivers. Financial responsibility or security can be met with by following either of the following steps:

1. Obtain coverage by a motor vehicle or an automobile liability insurance policy

2. Provide cash deposit of $35,000 with the Department of Motor Vehicles

3. Obtain a certificate of self-insurance from the DMV for fleets of more than 25 vehicles

4. Obtain a surety bond for $35,000 from a licensed insurance company doing business in California

According to the Californian Motor Vehicles Department Directives,, even cars used for rental purposes must have a valid car insurance in CA. Either a regular insurance

provider or the rental car company must provide certain insurance coverage for the drivers they hire. However, doing it from a regular insurance provider saves both money as well as time. In either case, the driver MUST carry insurance proof in their cars 24×7.

Drivers moving into California from other states stand at the risk of lapse of insurance coverage as well large penalties in addition to cancellation of their vehicle registration. Even those who do not pay their insurance premiums regularly are sure to be burdened with penalties and fines. The Californian Government has passed a bill that ensures strict action against all insurance premium defaulters. Factors such as personal credit history, credit score, policy coverage type, payment history and previous premiums are considered in the evaluation of eligibility by all insurance companies in the state of California.

A detailed chart is available at our website by which the visitor can compare the insurance rates of all companies for FREE by just entering their zip code. Hope our website proves handy.

What’s More About California Cheap Car Insurance

According to the state laws of California, insurance for all vehicles is a must. It is mandatory to have the vehicle insured before driving.

Carrying proof of insurance at all times is also important. Not being able to produce the documents when pulled over can lead to a penalty of $500 and a possible lawsuit can be filed against you. Insurance companies are required to report their private-vehicle policies to the state of California, according to the California Vehicle Financial Responsibility Law. Hence, the state will receive the information if there is any lapse in your coverage.

You can get your coverage almost immediately. You are given 30 days time to provide all your information once your insurance has been registered. In case of cancellation of or change in policies, a time period of 45 days is given for the submission of personal details. Good cheap car insurance California should be able to provide the minimum coverage values include $15,000 for injury or death to a single person, $5,000 for damage to property and $30,000 for injury or death to more than a single person.

However California Cheap Car Insurance is not required for the following vehicles-

• Trailers Vehicles which are registered to a government entity (state, county, city and federal)
• Off-highway vehicles
• Vehicles which have been registered under the planned non operation (PNO) status

The penalties that you can attract if you do not have California Cheap Car Insurance are as follows

• You can get a traffic ticket (worth $500 or even more) if the officer on duty pulls you over and you are unable to provide any evidence of having financial responsibility. In case you are ticketed then you might have to go through the judiciary system (instead of the DMV) to sign such a citation.
• The automobile may be usurped and you may be penalized with a fine.
• You may be responsible financially for the damages related to an accident if you have any role in it. It means that you are personally responsible and are forced to bear the cost of any damage or casualty.

Having auto insurance in the state of California is necessary for all car owners. Your vehicle’s registration could be suspended for the following:
• If the insured cannot produce the documents within 30 days after his or her registration of insurance has been completed.
• If the insurance company cannot produce the documents within 30 days after the registration has been completed.
• If the insurance company fails to submit electronic copies of the documents as evidence of auto insurance even after 30 days of registration.
• If all the personal details are not given correctly in the policy or any fraudulent activity has been detected for the same.

Enter your ZIP code and find out what top analysts have to suggest about the cheap car insurance California on offer.

Effective Means of Getting Car Insurance Quotes in California

To get car insurance here in CA, you need to get the quotes first from the leading car insurance providers in CA. Quotes are commonly available on the internet where you can compare their rates, coverage they offer and then decide on the most suitable provider according to your needs.

There are many types of insurance options available from where you can choose the best-suited policy. Some companies directly quote their rates while some quotes come through their channel partners or agents. You need to do some basic homework like gathering the information related to your vehicle and knowing your insurance needs. It will save you valuable time and enable you to choose the most suitable plan for you and your vehicle in case of an accident.

Different insurance plans have different rate, always go for the most cost effective plan to save money. You can always upgrade anytime and when required. Before you finally decide upon the most suitable car insurance in CA, you need to know the requirements for California car insurance.

You must be aware that California State follows tort system in the state’s auto insurance. It means there has to be at least a guilty party in case of a road mishap. Hence, the person at fault and his/her insurance provider should be held responsible for the damages caused as per insurance policy. One more important thing you must be aware of car insurance in CA is that the tort system followed here, varies from the same being followed in any other state.

California car insurance law in particular needs not less than $15000 for each injured and up to a sum of $30000 for each accident for a body injury liability limit. It also needs a minimum of $5000 limit against the coverage of property damage. It is also commonly known as a 15/30/5 coverage in auto insurance terms. On an average, the residents of California pay the car insurance premium of about $1650 and this is why it is important for you to go for the cheapest available car insurance in CA. You should also make sure to get uninsured and/or underinsured body injury coverage as many people here drive illegally due to higher cost of living and higher premium rates. In this coverage, you are covered against losses as a result of accidents caused by those who have no auto insurance at all. This coverage is among many other types of coverage to choose from.

You need to be aware of all these types of coverage in detail and go for the car insurance firms in California offering the best auto insurance quotes in California for you. Enter your ZIP code to get more information and the most competitive quotes.

Your Step-by-Step Guide to Acquire Car Insurance in California

Auto insurance laws are there to help us when we are in need of them, but let us understand and discuss it first. Car insurance in CA requires you to have the proof of insurance for your vehicle in CA at all times. As of 2006, some modifications were made to ensure the safest journey for every driver. Car insurance in CA makes it mandatory to have some type of minimum insurance coverage for your vehicle as it proves to be very useful when your car is damaged. The driver should always keep the insurance information handy in case authorities might check it for verification. When renewing your auto registration, you should keep the financial details at hand too. In other situations, you might be asked for some extra insurance information by DMV like an identification card, an authorized letter issued by DMV or a California Proof of Insurance Certificate, etc. Everyone who sits in the driver seat in CA has to carry minimum auto insurance liability coverage as follows:

1) $15,000 for death of an individual
2) $30,000 for all the victims engaged in the accident
3) $5,000 for property damage caused in the accident

There are also financial responsibility requirements issued by the insurance department of CA. They are as follows:

1) One has to attain motor vehicle or any other automobile liability insurance policy
2) One has to provide DMV with a cash deposit of $35,000
3) Acquire and carry a DMV issued self-insurance certificate
4) Attain a surety bond for $35,000 from a licensed insurance company in California.

As recorded in 2006, a Californian resident had an average insurance premium of $843. The national average was $817. This made them the 16th most expensive in the entire U.S.

In the state of California, auto insurance companies often consider an individual’s personal credit card history. This affects the type of rates and every other criterion the company has to offer as they are allowed to consider credit standing, policy, insurance premiums and payment history before offering their rates.

Uninsured or underinsured motorists (UM) coverage is not fully needed under the California law, but, however it is prudent to purchase an uninsured or underinsured coverage for use in the long run. This basically means that almost every California auto insurance agent will advise that you purchase at least $50,000 of UM or as much as uninsured motor coverage you can manage to pay, for better insurance coverage. Also, you should be able to provide the details of your information policy or else you will be prosecuted under the law.
So if you a resident of CA and still confused upon deciding which auto insurance to choose from? Then stop worrying! Just enter your ZIP Code in the space provided and compare now to gain the best insurance for your vehicle in CA.

How To Find a Trusted Company of Car Insurance in California

Every vehicle you own have to be insured for your own safety. Proof of a minimum insurance coverage requires to be carried at all times for emergency. It can save you from paying additional fees during traffic altercation or accidents. Sometimes, additional information is also needed and one should be able to provide it to the authorities. Car insurance in CA is indeed important.

The state of California operates on a tight system for auto insurance. This means that it needs the state to find out who cause an accident. That person has to pay all the fines needed from medical bills to repair of the damages incurred. The amount could be huge and the person may not possible pay the total amount. So, the insurance company California steps in and pays on your behalf.


Most people go wrong when choosing insurance. But as said above, every vehicle, be it personal or rental has to have some sort of insurance record. Each and every driver should make it a point to insure their rental car as soon as possible. Not doing so may result in paying huge fines and the driver might be arrested for not following the rules. Normally, the rental car drivers tend to purchase insurance from regular insurance companies as they offer it at much cheaper rates than the ones purchased with the car rental companies. In either of the conditions, the rule remains the same that the person in the driver’s seat should carry the proof of the California car insurance at all times.

One should also be careful when relocating from some other part of USA to California as there always lay the chance of a lapse of coverage. This may result in large amount of fines, penalties and also puts the vehicle in the risk of getting its registration suspended. The ones who do not renew their insurance premium on time may also be fined or penalized. To put this idea into a stronger effect, the California Legislatures passed a bill that allows the officer or the authorities to impose harsh penalties on motorists who are not serious about getting their insurance policy renewed. Another matter of concern is the eligibility of one to get auto insurance. All licensed insurance companies make sure to look into a number of factors like personal credit history, payment history, previous premiums etc. before offering their best rates. A good credit history enables you to become eligible for a good insurance for your car.

If you want further assistance, just log onto any of the insurance company California websites that provides you with the most suitable policy out of hundreds – all under one roof! Just enter the ZIP code in the space provided and start searching for the best auto insurance quotes in CA now!

How to Get Required Minimum Liability Coverage for Your Cheap California Car Insurance

Getting California cheap car insurance can be mind boggling. There are several ways in which companies offering insurance will dupe you into believing it’s cheap. But in the end you would actually be paying more than you can imagine for a coverage that’s not adequate for the roads. An ideal policy should have coverage for uninsured drivers and the minimum liability too. Every state in United States has a minimum coverage liability. You will have to bear these expenses at the least if you are involved in any accident.

In the state of California, the minimum liability is $15,000 is for death or injury of 1 person, $30,000 for injury or death of more than person, but $5,000 for property damage. The figures are for one accident. As the state of California works on the law of torts, one person is charged with the responsibility of the accident and he needs to pay for the entire damages. Even to fight for the lawsuit, you need money. We all know that a lawsuit can cost us our entire salary, even our house. It is indeed an advantage to possess a good insurance policy to support you in crisis as the insurance company will bear your expenses. You should also have coverage for under insured or uninsured drivers in your family. Although it is not imperative, it is beneficial if you have that coverage. Most insurance experts suggest their clients to get coverage of $50,000 under uninsured and under insured coverage. California car insurance allows you to get specific coverage for only certain people. You can exclude certain people from your policy. If this particular person meets with a road mishap while driving, the expenses will not be charged to your insurance policy.

In California, it is important to own insurance. If you are unable to produce your insurance papers when asked for, you may be arrested and your license or car registration may be suspended. A fine between $200 and $1000 may be imposed on you apart from the re installation fees of $125.

To maintain a policy, you need to pay a regular premium, per month or yearly basis. The general premium is around $847. But opting for a California car insurance that is affordable can help you save around $200 or $300. To buy California cheap car insurance, you can contact a car insurer. It is better you contact the person providing you your home insurance as you may get some good discount on the premium you have to pay. The premium you have to pay is dependent on the type of the car, the age of the vehicle, car driver’s experience, the age and sex and also the number of people to be covered by the policy.

To buy California car insurance at low cost, enter your ZIP code and obtain CA auto insurance quotes for free within a few minutes.

What is the Purpose of Buying Car Insurance in California

In today’s era of globalization, man’s dependence on machines especially vehicles are steadily rising to meet with the demands of trade and social entertainment. The number of people owning cars especially powerful nations like the USA has also increased. But just purchasing a vehicle does not guarantee one a lifetime of vehicle safety and comfort. There might be binding rules and regulations for insurance of cars of California, but it also prove its significance for every car owner and driver.

The basis of insurance is to protect the economic value of an asset for a certain period of time, thus ensuring ultimate comfort of the owner. In keeping with the present demands, the motor vehicles department of California has enacted a number of amendments just to ensure better satisfaction of the citizens with respect to car insurance in CA. Since 2006, the Department of Motor Vehicles in California changed the law by which it verified the insurance norms for privately owned cars. Changes were enacted to bring in liability insurance for cars driven on Californian roads to provide financial responsibility for damages and injuries caused due to traffic accidents irrespective of the fault.

Another objective of the Californian Car Insurance Norms was to remove uninsured vehicles from Californian highways. By California Vehicle Code [CVC] 16058 car insurance providers are required by the law to electronically register private car insurance information to the DMV. However, no such rules apply for cars which are to be used for commercial and business purposes. This aforementioned facility which is in effect since 2006 allows the Department to ensure appropriate insurance coverage by law. In this respect, if the insurance information is not submitted to DMV within 30 days of the issuance of the registration card upon initial registration or transfer of ownership, your car registration will be suspended according to CVC 4000.38.

As financial responsibility is essential for all cars operated or parked in Californian roads, insurance too becomes a must. When asked for by law enforcers, for vehicle registration purposes or for traffic accidents, a document from a car insurance company is a must as well. Financial responsibility can be achieved by:

1. Coverage by an automobile or motor vehicle liability insurance policy.

2. A cash deposit of $35,000 with the DMV.

3. A self-insurance certificate issued by DMV to owners of more than 25 vehicles.

4. A surety bond for $35,000 obtained from an insurance company licensed to do business in CA.

By California Insurance Code, an 11580.1b minimum liability insurance requirement for private passenger cars stands at:

1. $15,000 for injury/death to one person.

2. $30,000 for injury/death to more than one person.

3. $5,000 for damage to property.

Through liability insurance, a person other than the car owner has to be compensated for personal injury or property damage. Car insurance in CA is quite expensive but if one is unable to afford liability insurance, the California Low Cost Automobile Insurance Program provides alternatives. Moreover if your car is suspended irrationally then you can submit your insurance information at- DMV PO Box 997405 Sacramento, CA 95899-7405. The insurance laws for cars in California have been tweaked to be made as mutually benefiting as possible.

All information regarding car insurance rates are available in our website for FREE providing visitors with many options before taking the final decision. Just enter your zip code to know more.

Effective Ways to Obtain Car Insurance in CA According to the Laws

Car insurance is a necessity in California like most other states in USA. This is due to the high traffic density and the rise in the number of road accidents. There are many companies that provide CA car insurance.

Car insurance in CA needs to be bought keeping in line with the laws laid down. Every car has to have insurance in California that will cover the minimum liability coverage as prescribed by the law of the state. Minimum liability coverage are $15,000 for death or injury to one person, $30,000 for death or injury of all the people involved in the mishap and $5,000 for any kind of property damage. All the quoted figures are with respect to one accident. To complete your responsibility of finances, you may deposit $35,000 with the department of motor vehicles.

For privately owned vehicles looking to do business, there are separate formalities. Even if you drive a rented car, you will have to take an insurance policy out. Most of the car insurance policies have provisions for rented vehicles. But if yours doesn’t, then make sure you buy a policy from the company which has rented you your car. You must carry a copy of the agreement which bears your insurance coverage always. Provisions for uninsured or underinsured drivers are not mandated in California. However, it is certainly recommended that you get it done. Most insurance companies insist upon you to get coverage worth $50,000 or more for an uninsured or underinsured driver.

While drawing up an agreement for your CA car insurance, you can mention if any person has to be excluded from your policy. If this person is excluded, then he or she can drive your car but your policy won’t be used if he or she commits an accident while driving your car. Before you buy your car insurance policy, your credit history, premium payment, past driving record, number of years of driving and the policy you currently own are scrutinised as well. Allowing your policy to lapse or expire is also a crime in CA. As of 2006, the DMV is liable to suspend the registration of your car or your license to drive or both if you are caught driving with an expired policy or no policy at all. In a state like California, it is rational to have insurance too. Under the law of Torts, any one party is determined to be the offending one and has to bear the expenses of repairs and medical bills. These bills can be very high. It is best to have a solid insurance policy to back you when you are on the road.

Insurance premium in California is around $850. If you buy smart, then you may save up to $400. To buy a good CA car insurance, enter your ZIP code and we will give you the details of the top 3 California car insurance quotes within a few minutes and free of cost.