Qualifying for Cheap Car Insurance in California
Having an excellent driving record is the best route to cheap auto insurance in California. Avoiding tickets and accidents are a part of a good driving record. Obeying all the other vehicle laws and regulations are also important. When you check rates at websites like Californiacarinsurancerates.com you will find the savings available to safe drivers.
Driving Legally in California
There are 5 elements that have to be obeyed to be considered a legal driver in California. The 5 include:
- Possessing a valid driver’s license.
- Having evidence of insurance coverage for minimum California requirements
- Possessing a safety inspection sticker that is current
- Having current registration documentation
- Operating your vehicle in full compliance with all laws and regulations.
Details related to these driving issues, including licenses and registration, are available at the following websites:
California Department of Motor Vehicles: www.dmv.ca.gov
California Department of Insurance: www.insurance.ca.gov
The official California state website: www.ca.gov/
Required Coverage for California Auto Insurance
The average annual car insurance cost in California is $1,362. California car insurance does not top the list of the costliest states. Maryland is actually the most expensive state for auto insurance, at $1,979 per year. Averages are only indications of what you as an individual will pay. The actual levels of coverage selected, and other factors determine each driver’s rates.
Below s a chart that describes the required legal minimum insurance coverage and what is common purchased by California drivers:
|Bodily Injury Liability||15,000/30,000||100,000/300,000|
|Property Damage Liability||5,000||100,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Personal Injury Protection||Not Required||2,500|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Selecting coverage above the minimums will mean paying additional for car insurance. Coverage options not required by law make sense for many drivers due to the protection they offer.
Uninsured/underinsured (UI/UIM) motorist coverage is one option many drivers select. This provides protection from loss when an accident happens with a driver who has no insurance or has purchased too little insurance to cover the loss.
California Car Insurance for High-Risk Drivers — Teen Drivers, DUIs, and SR-22
A driver may be considered “high risk” by insurance providers. High risk means extra risk o the insurer in offering coverage to these individuals. A high risk class driver will find they have to pay more for car insurance because of this classification. Drivers considered high risk include those convicted of a DUI. Many teenage drivers and anyone required to file an SR-22 are also in this category. This high-risk designation does not mean individuals can’t find affordable insurance. Our website includes help for these drivers to find cheap auto insurance in California.
Tips for Saving on California Auto Insurance
Many things affect your insurance rate other than your driving record. It is worthwhile using our website to review the many items that can lower or increase your insurance rates.
The challenge to finding the best rates for California insurance coverage is made simple with Californiacarinsurancerates.com. You will find it easy and quick to find affordable rates. Start your speedy and easy search by entering your zip code in the box below.
For more information on saving money on California automotive insurance, you can read our reports on these major California cities: