California Auto Insurance

There are so many insurers available and this makes finding affordable California auto insurance difficult, therefore use our free referral service to find it. We shop for you and give you free California auto insurance quotes for you to compare!

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California Auto Insurance-Important Information

Required Coverage

Every motorist in California is required to hold auto insurance which satisfies state requirements and California requires two coverage's which are bodily injury and property damage liability.

Bodily injury liability-pays for lost wages, medical expenses and pain and suffering if you cause someone injured in an auto accident. The California law requires minimum coverage amounts of $15,000 for bodily injury per person and $30,000 for bodily injury per accident.

Property damage liability- pays for damages to another motorist’s car if you are found legally responsible for an accident. The minimum liability limit is $5,000.

Your insurer will only pay up to these limits if you accountable for an accident and this may be insufficient to cover the damages for which you are responsible, therefore, you may want to purchase higher amounts of California auto insurance.

Protecting Consumer Rights

In order to protect your rights as a consumer, some regulations are in place:

-Forbidding the cancellation of your California auto insurance as long as you have not committed fraud, defaulted your premiums or if the rates for the hazard you are insured against has not rose significantly.

-California auto insurance rate must be determined by state-mandated criteria such of your mileage, driving experience and driving record.

-Insurers are required to offer good driver discount if you have driven for at least three years with no more than one point on your driving record

You can contact the California Department of Insurance at (800) 927-4357 for more information on consumer’s rights.

Get Lowest Possible Rate on California Auto Insurance

-Maintain an excellent driving record

-Raise deductibles on collision and comprehensive coverage as high as possible as long as you can afford to pay them

-Ask about discounts- installing anti-theft devices in your car, insuring multiple cars and taking driver’s safety courses

- Use Insurance Centre Online free service to shop for the most fordable rate

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