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Common Factors that Increases your California Car Insurance Rate

By law, it is very essential for Californian drivers to have car insurance. Due to a high percentage of accidents in the state and a high rate of auto thefts, the premium on car insurance is very high in the state. However, it is still possible to get a reasonable discount on the rates of California car insurance policies if you look in the right place.


Policies differ from one agent to another. In general, certain things are always looked into while calculating your exact insurance premium. These are the model of your car, the number of years that you have maintained a clean driving record, the zip code of your location, etc. The best way to ensure that you get the best deal is to compare quotes provided by several car insurance agencies.

For most cities of California, including Anaheim, Hollywood, San Francisco, San Diego, Oakland and Los Angeles the minimum insurance coverage is the same, 15/30/5 which breaks down as the following: $15,000 of coverage towards any bodily injury or death of one person. There is $30,000 worth of coverage for death or bodily injuries of multiple people and $5,000 of coverage for property damage due to any one accident where you are at fault.
It is mandatory for Californian drivers to maintain these minimum requirements or other approved ways to compensate for any damage or harm caused by them. Failing to do so would result in severe punishment in the form of fines and license suspension. It is now obvious that this coverage is the bare minimum. Often, attorneys seek much higher compensation for such offenses. Minimum car insurance coverage in California is often not enough.
California is home to Disneyland, Hollywood film industry and other attractions which compel people from all over the world to visit. This results in traffic congestion and accidents. Furthermore, California houses some of the richest individuals in the country. There are several owners of classic or vintage automobiles. Insurance on these cars is a different deal altogether. Values of the vintage cars are much higher to the owner and there are several providers of car insurance in California who offer reasonable quotes for them.

There are a number of car insurance providers to choose from. However, it is important to choose only after conducting a detailed research on the various car insurance quotes and schemes available in California. You can easily get these quotes by entering your zip code to access rates of all companies and make comparisons. With the right information, you can easily get affordable Car Insurance in the State of California.