Written by jdlash on December 14, 2010 – 6:31 pm
California auto insurance can be expensive and choosing to take the first offer you receive isn’t the way to get the best rates. Seeing that your on our site reading about auto insurance in California tells us that your ready to figure out how to save some money! We have provided some general information about California auto insurance mandatory coverage limits and tips to save some money today!
California Requires You to Carry Car Insurance
The state of California requires that you carry at least some minimum coverage limits in order to legally drive a vehicle. The requirements are: 15/30/5. This means that you must carry at least $15,000 worth of liability coverage per person. This coverage provides coverage for injury or death of a single person. You have to carry a total aggregate amount of $30,000 worth of coverage for any one total incident. There is also an additional mandated amount of $5,000 worth of property damage coverage.
Is the State Minimum Coverage Enough?
In our opinion it is only enough if you are in poverty and have zero assets and income. The minimum property damage amount of $5,000 doesn’t even cover the cost of replacing a really old vehicle now days. The cost of new vehicles can easily reach $50,000 or more and we don’t recommend putting yourself at risk for that amount of coverage.
Here are some steps to save.
Getting as many quotes as you can is the best way to save on California auto insurance. Using a service like ours will get you multiple quotes and help you find cheap California Auto Insurance. Shop4Insurance has both local agencies and regional online carriers that want to quote your insurance and help you save.
Remember, our service only works if you provide correct information. You need to provide real information. Making up fake information is a waste of time and won’t get you online quotes. If your not willing to provide real information, then please don’t use our service.
Another way to save is to look at higher deductibles. If your insuring a vehicle that costs $50,000, then it shouldn’t be a big deal at all to pay the first $1,000 out of your own pocket to get the vehicle fixed. This can save you quite a bit of money on auto insurance in California.
The final step is to not get to hasty. Grabbing the first offer you receive more then likely isn’t the best way to get the lowest rates. You need to review the quotes as they come in and then pick the best option after you have given them a good review. Review coverage limits, company ratings and also talk the the agent, or carrier to see if you want to do business with them.
It really is this simple to get online California auto insurance quotes. You don’t need to make it into a bigger deal than it is. Spend your time reviewing quotes and take action today to start saving money. You can’t save money until you fill out our online quote form.
Other resources:
4 more ways to save on online car insurance quotes.
