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Minimum California Auto Insurance

In order to license your car in the sate of California you’re only required to have liability insurance. This pays for damage to another person’s car or property when you’re at fault in an accident. It also pays for any medical expenses they or their passengers may incur, and compensates them for pain and suffering.

Liability Coverage

The minimum liability coverage in California is 15/30/5. That means you need to have $15,000 coverage for injuries to any one person in the other car, $30,000 coverage for injuries to all persons in the other car, and $5,000 coverage for damage to the other person’s car or property.

If you don’t have a lot of assets the minimum liability coverage may be enough, but if you have assets you want to protect from a lawsuit, you should increase your liability insurance to cover them.

Optional Coverages

Collision - This pays for repairs to your car no matter who was at fault. If you drive an older car that’s not worth much, consider eliminating this coverage. If you drive a late model car you can save money by increasing your deductible.

Comprehensive - This pays for damage done to your car by anything other than a collision - fire, vandalism, theft, hail, etc. If you have an older car you may want to skip this coverage. If you drive a newer car, increase your deductible to save on your premium.

Personal Injury Protection - This pays for you and your passenger’s medical bills when you’re involved in an accident. If you already have medical insurance you can consider doing without this coverage.

Uninsured/Underinsured Motorist - This pays for you and your passenger’s medical expenses and damage to your car caused by an uninsured, underinsured, or hit-and-run driver. One-quarter of the drivers in California are driving without a license, so this is good insurance to have.

Cheap California Auto Insurance Online

Because rates can vary dramatically from one company to the next in California, the best way to get the cheapest rate is to compare quotes from different auto insurance companies.

Thanks to the Internet, you can go to an insurance comparison website that represents a number of companies and get multiple insurance quotes