Cheap Auto Insurance in California

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The rates for car insurance in California are, admittedly, pretty high. Fortunately, it is not impossible to find cheap auto insurance in California. You just have to know what you are looking for.

Mandatory California Auto Insurance Coverage

Start by gaining an understanding of exactly what coverage is considered mandatory in the state of California. You'll never find cheap auto insurance in California if you are regularly purchasing coverage you don't really need.

Liability coverage is a must-have, with a minimum bodily injury liability limit of $15,000 per person and $30,000 per accident as well as a property damage liability limit of $5,000. While these are the minimum limits required, it is often recommended you take higher limits of coverage in order to protect your assets if you cause an accident and are sued for the damages.

Optional California Auto Insurance Coverage

There are several optional coverage options we recommend even if you are looking for cheap auto insurance in California. They include the following:

• Uninsured and/or Underinsured Coverage – ensures your medical and property damage bills are paid if you are in an accident with a driver who has no insurance or who does not have high enough limits to pay your bills.

• Personal Injury Protection - ensures your medical bills are paid regardless of who is at fault for the accident. You should purchase this coverage if you have no health insurance or if your health insurance excludes injuries caused by an automobile accident.

• Comprehensive and Collision Coverage – pays for damages you may cause to your own vehicle in an accident, or for damages caused by fire, vandalism, and weather. These coverage options aren't usually recommended for older vehicles.

California Auto Insurance Options

State legislatures recently passed legislation making it easier to find cheap auto insurance in California. Drivers will soon have the option to purchase either a standard automobile insurance policy or one that charges rates based on the number of miles driven annually. This scheme is also referred to as pay per mile auto insurance. If you drive very little you may find the newer options more affordable and they may act as an incentive for those who wish they could drive a bit less as well.

Finding cheap auto insurance in California isn't necessarily easy but is something that will become more realistic in the future. Enter your information into the form on our site, allow us to search for your next set of auto insurance quotes, make some comparisons, and decide which is best for you. You deserve to pay a reasonable rate for car insurance.

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