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Nearly every state has a minimal amount of insurance that you must have in order to get your car licensed in that state and California is no exception to this rule.
In order to license your car, there are minimal amounts of coverage that the law provides for and these laws must be adhered to if you want to own and operate a car in the state of California. Given the fact that California also has some of the highest premiums in the United States for auto insurance coverage, where can you find cheap California car insurance?
You are required by law to have at the minimum, liability insurance which will cover the cost of another’s property or automobile. In the event that you are at fault in an accident, your insurance may in some cases also cover the cost of medical bills for passengers that you are carrying in your own vehicle. The liability insurance will also cover the cost of any medical expenses that may be incurred to passengers of the other automobile, or pedestrian or property damages.
Minimal coverage in California is 15,000 dollars of coverage for injuries to each individual. You also need 30,000 dollars worth of coverage for injuries to all persons in the second vehicle and 5000 to cover damages to their car or property.
While this is not a great deal in actuality it will help to defray the costs. This coverage will most likely not be enough to cover the cost of the accident and in some cases you may want to purchase more coverage.
Medical bills and car repairs, when you are responsible for them, can be quite exorbitant. Yet in many cases, the amount of insurance coverage that you get seems nearly as costly as if you had paid the bill yourself. Even the minimal coverage can in fact be quite costly to gain, so it is in our best interests to seek out cheap California car insurance.
We should do so in order to get the best rates that we can, as well as to comply with the state laws, since you can’t legally drive or license your automobile without it. Automobile insurance rates can vary widely from one company to another, with some pricing even dramatically lower than other companies for the same amount of coverage.
It is always in your best interest to shop around, and to compare quotes from more than one insurance company to make absolutely certain that you are getting the best deal you can. Insurance brokers are one of the best ways to gather quotes from various companies. Using them to be certain that you have the right coverage for you makes good sense.
Additionally they very often make suggestions for things that you can do to cut your costs, such as a driver’s education program in the case of someone with one or more moving violations.
Cheap California car insurance isn’t always easy to come by, but with a little exploration you can find it.
If you are living in the state of California and looking for a cheap California car insurance then you will find a large number of insurance companies there who are offering good deals in competitive price. However, in order to convince these companies to offer you a lower premium or discounts, you need to make sure that you are satisfying their requirements. There are some certain things that you need under your belt to get a cheap California car insurance:
An impressive credit record
The insurance companies do give a whole lot of importance to the credit record of a person to determine whether he or she is reliable to become a policyholder for auto insurance with lower premium rates. So do you have a credit record that is good enough to satisfy a California insurance company? Then this can play a vital role when you apply for a cheap California auto insurance.
A clean driving record
Regardless of in which state you are living, you will really find it quite difficult to get cheap auto insurance if you don’t have a clean driving license. If you have a California DUI or SR-22 on the driving record then that can lower your chances substantially to land a good deal with an insurance company in California. It is found that drivers with bad driving records usually requires to pay as much as double than what a driver pays who has a clean driving record with no accidents or speed tickets.
Training certificate
Now when you will be approaching to a California insurance company for an auto insurance, one of the first things that they will be checking out is whether you have a driver’s training certificate or legal papers that proves you have attended some sort of defensive driving course. A lot of Californian insurers usually offer a whole lot of discounts to drivers who have attended training curses. So if you have a driver’s training certificate then you are right on the track to get a low premium rate from an insurance company.
A car that is properly equipped
Although this is something that should get a whole lot of emphasize from the perspective of a person who is looking forward for a cheap California car insurance but unfortunately many people simply misses it. That is- having a vehicle which is loaded with safety equipments like air bags, anti-lock breaks, alarm system and so on. A car that has all the necessary safety equipments installed in it will not only allow you to remain safe while you drive but at the same time it will also play a key role in boosting your chances of getting a cheap California car insurance. Many insurance companies in the state of California will simply love you for having all the necessary security equipments installed in your vehicle and will offer you discounts based on this.
So if you have all the above mentioned factors on your favor then this should not be a problem for you to get a cheap California car insurance from a renowned insurance company.
California is the land of the car. It seems everyone here has a vehicle of some kind and the state of California is extremely serious about requiring each and every driver to carry auto insurance.
Fortunately the state also recognizes that many of its citizens find it difficult to afford to pay for auto coverage every month and so the state has created two extremely low-cost car policies that almost anyone can afford.
One policy, known as the California Low Cost Automobile Insurance Program, or CLCA, is designed for those people who are having the most trouble affording standard auto coverage.
To qualify for the CLCA program you must be at least 19 years of age, have a good driving record, and you must meet certain income eligibility requirements. Those who qualify receive a cheap basic liability policy along with an extremely generous payment plan that makes this insurance extremely affordable (average cost: around $400 per year).
But even those people who don’t qualify for California’s CLCA program aren’t left out in the cold. California’s cheap basic liability coverage is available to anyone and can be purchased online at a discount that makes it THE way to go if cost is an overriding factor.
California’s basic liability coverage is a 15/30/5 policy. What this means is that the policy will pay a maximum of $15,000 in medical payments to any one individual who is injured by your vehicle if you are found to be at fault in an accident. The policy will pay a maximum of $30,000 in medical expenses for everyone involved in the same accident and it will pay a maximum of $5,000 in property damages.
This insurance, while allowing you to drive legally, can be risky. The reason is that the payouts are so low that if you are found to be at fault in even a moderately-severe accident the actual medical and property damage bills could far exceed the maximum payments that your basic liability policy will pay – and YOU could be held responsible for making up the difference out of your own pocket or purse.
Another thing you need to be aware of is that a basic liability policy pays NOTHING for your medical expenses or for the medical expenses of anyone in your car following an accident. It also pays absolutely nothing toward repairing your car.
The biggest tip of all when it comes to saving the most money possible on any type of car insurance is that you want to purchase your policy online.
Online dealers have almost no overhead and the competition is fierce – which add up to amazing savings for you.
Buying your policy online will save you as much as 20% or even 30%. I highly recommend that you check out several of the online sites which allow you to compare car insurance prices before you buy your policy anywhere else – I guarantee you will be thrilled!
Buying California car insurance is expensive. But with a little trick and dedication, you can find the right car insurance California that is both cheap and provides good coverage.
Here are the ways to save for your car insurance California:
Research
Check several sites that offer can insurance California. This is probably the best way to get the cheapest car insurance rate since each company follows its own rate. Make sure you know what type of coverage you are looking for so as not to dive on the first and cheapest car insurance you have laid your eyes on. Remember that cheapest might not be the best so make sure you weigh the claims and the price you have to pay.
Safe driving
It always pays to be a good driver. And what a better way to reap from this is to get a lower California car insurance rates. California can insurance companies reward safe drivers with special car insurance rates. To become eligible on this, you have to get a clean record both on traffic violation and insurance claim. If in case you only have one or two traffic violation, you can take the defensive driving course. This is to remove and clean your traffic record.
The only drawback is you have to wait for several years to enjoy the lower California car insurance rate. That means you have to stay away from traffic violations for a very long time! But if safety is already in your system, this would be easy for you to do. After all, it is you who will reap if you drive safely even without receiving any California car insurance discount.
Update on time
Many auto insurance companies in California and even in other states in the United States base their insurance rates on your history. Failure to update your policy even for one day could cost you additional dollars. Make sure you update on time so that you can avoid higher California car insurance rate.
Monitor your odometer
Don’t get it wrong. You don’t have to limit your driving. Well, if getting car insurance discounts means more to you, you can drive occasionally. But what we are trying to say here is that several car insurance companies in California base their rates on the annual mileage reading. If you love to drive for miles, you should not be surprised if you get high car insurance rate than those who drive less.
Capitalize on discounted auto insurance
Discounts on car insurance would be able you to save money. And there are several ways to get it. Here are the different ways to get discounted auto insurance:
1. Discounts on good driver. Yeah it is already mentioned but you have to know that everybody, regardless of the age could receive a good driver discount provided he/she maintains a clean driving record.
2. Discounts of multi-car owner or multi-driver. If you have two drivers with the same car insurance policy, you can get this discount. Much more if both of these drivers have clean records.
3. Discount on having safety and anti-theft devices. If you care enough for your vehicle, your can get a reward. Most car insurance companies in California give discounts on drivers who have installed safety and anti-theft devices.
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