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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.