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Understanding How California Car Insurance Companies Work

Auto insurance in California is becoming a necessity due to the frequency dangerous trend of reckless drivers and car accidents in the beautiful country. California is known for the gorgeous beaches, the acting heaven ‘Hollywood’, the Golden Gate Bridge, the tall Sequoias and the famous Route 66 but the ugly head of road accidents is peering into the scene, making Auto insurance in California as crucial as your house rent.

There a number of requirements needed for car insurance in California as compulsory even by law. The first requirement is the minimum bodily injury liability of about $15,000 per injured person, $30,000 per accident and property damage liability coverage that goes for a minimum of $5,000. This basic coverage is known as the 15/30/5 coverage, for those with a hard time remembering long sentences.  The required limits for the drivers in California Automobile Risk Plan that should also be taken into consideration are $10,000/$20,000/$30,000. California therefore by trying to limit the number of accidents that occur on the attractive and captivating beaches follows a Tort system during the road accident cases.

This means that on an occurrence of an accident, somebody must be found at fault for the accident happening and their insurance company should be responsible for all the damages. Although this Tort system may vary from state to state, the obvious thing to do is to be on the safe side and have some car insurance. They will cover for the damages that you might have ended up paying with your salary however little it might have been.

However, this smart move can only be undertaken if you have the knowledge on Auto insurance in California. The first step a wise driver will take is to know the types of California car insurance offers and the prices each insurance company comes with. The best way to do this is to conduct a quick research on the best deals in the Golden state and look at a few quotes at the link CarInsurance.com. The amazing thing here is that you can even get to see if your car is top of the thieves most wanted cars. The list of stolen cars involve cars like the Honda Accord, Honda Civic, Toyota Camry, Acura Integra, Nissan Sentra, Toyota Corolla, Saturn SL, Nissan Altima, Ford F150 Pickup, Toyota Pickup 4X2 and many others.

This list may be a nightmare for those with cars on the black list but the fact that there is local car insurance available in all of California guarantees that your car will be safe on the roads. The car insurance companies will include 21st Century Insurance, AAA Car Insurance, ACE Car Insurance, AIG Car Insurance, AIS Insurance Group, Allianz Car Insurance Company among many other professional insurance companies.

Auto insurance in California is therefore a win-win venture for the companies’ getting hundreds of clients’ everyday and the clients getting their cars wrapped around in a safety insurance blanket. Although the rates of the car insurance keep changing every month like in most states, the link CarInsurance.com’s Average Premium Trend Tool in http://www.carinsurance.com/Premium-Index.aspx tracks rates on an ongoing basis (every month).