Saving Money on California Low Cost Auto Insurance
Most people expect everything to be more expensive in California. A lot of things are, including car insurance in certain areas. Like many other things, however, a bit of shopping around can save a lot of money. Finding cheap car insurance in California can be as easy as entering your zip code in the box above.
The process of dealing with all the laws, paperwork and specific regulations in selecting an insurance company can be frustrating and take a lot of time if you try to do it on your own.
Minimum Auto Insurance Requirements in California
When you set out to find cheap auto insurance in California, there are certain minimal levels of coverage that have to be purchased. The table below shows those minimums:
|Bodily Injury Liability||$15,000/30,000||$ 100,000/300,000|
|Property Damage Liability||$5,000||$100,000|
The following forms of coverage are optional, but if you have the money to spare, they could save you from some unexpected financial troubles down the road:
|Uninsured Motorist Bodily Injury||$100,000/$300,000|
|Personal Injury Protection||$2,500|
California drivers are not required to carry insurance for protection against uninsured or underinsured drivers. Likewise, no coverage is required of personal injury protection (PIP), collision or comprehensive expenses. It is worth noting that many people carry insurance above the legal minimums. Accidents in California can be expensive. Insurance needs to meet legal requirements, but it is also wise to limit your total financial risks in an accident. Please visit California Traffic Security website to view 2010 OTS Rankings.
Controlling Car Insurance Costs
There are a number of things that affect the total price you pay for your auto insurance. To obtain cheap car insurance in California you can pay attention to those items that can lower your costs. One of the most important factors in auto insurance costs is your driving record. Avoiding accidents and speeding tickets is a first priority for any driver. The car you drive is another important factor. How expensive it is to repair and how often similar models are stolen are evaluated by the insurance providers in calculating rates. If you can control the distance and time you drive to work this can also result in savings. Driving during rush hour and long distances for your commute can add to risks and costs of car insurance.
Following the Speed Limits
Since safe driving habits are such a big factor in auto insurance costs, knowing all the relevant driving laws is important. This is especially the case with speed limits.
Speed limits in California are as follows:
|Rural Interstate 70 mph||55 mph trucks|
|Urban Interstate 65 mph||55 mph trucks|
|Other Limited-Access 70 mph||55 mph trucks|
|Other Roads 65 mph||55 mph trucks|
Be sure to check local limits and follow the signs that are posted.
The California Department of Motor Vehicles is the source for information concerning your driver’s license, ID Cards, and registering your vehicle. More information can be found at:
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
You can save money and do it easily just by entering your zip code in the box below. Don’t pay any more for cheap insurance in California than you have to!
For specific money-saving tips in major California cities, you can visit the following sites:More about California State
California Highway Safety Laws