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How to Drive Safely, Legally and Hassle Free in California with Auto Insurance

Owning a car is one of the necessities in our daily lives. Each day more cars are seen in the streets that the previous months. This is true in the state of California. However, the car insurance laws in California mandated that each vehicle travel across the roads of the state need to be insured. The Department of Motor Vehicle (DMV) in California requires every owner to have his or her registered vehicle be insured.

Vehicle owners are required to be financially responsible for their actions. Each motor vehicle is required to have a liability insurance of $15,000 for bodily injury per person and #30,000 for the entire people who are injured in the traffic accident and $5,000 for property damage. The types of financial responsibility are as follows: Motor vehicle liability insurance policy, a cash deposit of $35,000 with the Dept. of Motor Vehicle, DMV issued self-insurance certificate and a surety bond of $50,000 from a company licensed to do business in California.

The car insurance laws can be overwhelming for new residents in California but there is no way you can use your vehicle without complying with the law. Vehicle owners are required to bring the proof of financial responsibility anywhere they go, for as long as they are using their cars. This document is the first piece of requirement that law enforcement would ask from you, should there be any traffic mishaps. Likewise, when you renew your vehicle, you also need to provide the agency with this document and when the vehicle is, involve personally in a driving violation. you are requested to show such a document.

The cheap car insurance in California gives the driver a safety feeling as they travel in different streets. Every vehicle owner is aware of the consequences of their actions if they fail to comply with the insurance law. Non-complaint to the financial responsibility simply means you are driving illegally. Your driver’s license will automatically be suspended for four years. However, you can retrieve your license within one year, if you can show proof of financial responsibility or the car liability insurance, issued by your insurance company to the Dept. of Motor Vehicle. There will be a reissuance fee amounting to $125. The other penalty for driving without car liability insurance is vehicle registration suspension. You are therefore mandated to secure car insurance within 45-day prior deactivation of your suspension.

The car insurance laws in California assure the driving public and the rest of the passers-by that any damage related to driving accidents are well compensated. And choosing an auto insurance company that can give you a comprehensive car liability package, at very affordable price is made easier. All you need to do is to key-in your zip code on this page and get free quotes for you to compare.