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Be responsible and wise, buy Car Insurance in California, get a quote today.
California is a tort state, which means that you need to have California Car Insurance if you are a resident of the state, because you're financially responsible for the damage and injury you cause in an auto accident.
To drive a vehicle, you're required to show proof of your financial responsibility. You can prove this responsibility with a bond or cash deposit of $35,000 with the DMV, or by purchasing a minimum amount of California Car Insurance liability coverage.
Most drivers wisely opt to buy the California Car Insurance policy, instead of risking their own assets. California's liability minimums are 15/30/5. (That's $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $5,000 for damage you cause to the other party's property.)
These are very low minimums, and you should consider higher levels of California Car Insurance coverage, get a quote, particularly if you have major assets or property to protect.
The California Car Insurance companies will also offer optional coverage’s such as medical payments, collision, comprehensive, and uninsured and underinsured motorists bodily injury coverage. For better or for worse, the price of California Car Insurance is decided by the behavior of the state's drivers as a whole. The California Car Insurance companies take the cost of insuring California drivers (this includes settlements and legal fees) and divide it up between everyone.
These costs aren't spread around evenly, instead, the percentage you pay is decided by things like your driving record, your age, where you live, and the kind of car you drive.
Of course, not all California Car Insurance companies compute their figures in the same manner. This means that they all charge different rates on the same driver.
What this means for you, is that you should shop around, and compare the different rates for the best deal. It's the fastest easiest way to save on your policy.
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2005-07-07
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