Guide to California Auto Insurance

From the highest peak of Mount Whitney to the lows of Death Valley, from the ocean to the desert, California offers a wide variety of climate and geography. But though a driver may enjoy its ever-changing landscape, the laws regarding auto insurance are the same regardless of the region.

California law requires every owner and driver of a motor vehicle to provide proof of insurance. California’s minimum liability insurance requirements are as follows:

* $15,000 liability coverage for bodily injury to one person
* $30,000 liability coverage for bodily injury per accident (for all injuries resulting from a single accident)
* $5,000 liability coverage for property damage

Before taking the minimum coverage, consumers should carefully examine their own personal financial situation and determine if they need additional coverage to protect their assets in the event of an accident for which they are liable in which $5000 is insufficient to cover the property damage.

In addition to the minimum required liability coverage, you may need collision and comprehensive coverage on your own vehicle. If you have an active loan on your car, these coverages will be required by the lienholder. Collision pays for damage to your car from an accident, regardless of which vehicle is liable. Comprehensive covers other types of damage, such as vandalism or theft.

Another type of insurance to consider is Uninsured Motorist Insurance. California is not a No-Fault State. If you are injured in an accident and the liable party is not insured, you would be unable to collect for your mounting medical bills or to be compensated for lost time from your job. Uninsured Motorist Coverage ensures that in this case, you would have coverage available to you under your own policy to cover medical expenses and loss of wages.

What type of coverage protection you choose and how much should be based on your individual needs, taking into consideration not only your budget but your assets. Many factors will determine what premium you will pay for your insurance policy, including driving history, the year and make of your vehicle, and your annual mileage.

Research your options by obtaining car insurance quotes online. This allows you to tailor your policy with the coverages you desire while comparing rates from several companies at once. Online insurance quotes are available instantly, making the experience of buying car insurance more convenient and less costly.