When it comes to auto insurance California isn’t always easy living!
California frequently rates within the top five of all states when ranked according to the cost of car insurance. It is not unusual to pay nearly $2,000 a year for car insurance in the Golden State!
Even if you opt for minimum car insurance in California, you will still have an uphill climb ahead of you. Californians pay more on average for minimum insurance than many other states.
To find affordable car insurance California residents have their work cut out!
But you can still find cheap car insurance in California if you know where to look. It all starts with learning about California car insurance and what you need to stay safe on the road in America’s most populous state.
What’s the best car insurance in California? In two words: It depends.
Make Sure Your California Car Insurance Meets the Minimum Standard
California is an “at fault” car insurance state, so its insurance policies work the same way as most throughout the country. When an accident happens, a determination of fault is used to decide whose insurance pays for related costs.
California state car insurance minimums include:
- Bodily Injury Liability: $15,000 per individual and $30,000 per covered traffic event
- Property Damage Liability: A flat $5,000 minimum
In addition, you will be offered some optional coverage:
- Uninsured Motorist Bodily Injury: Same minimums as Bodily Injury Liability above
- Uninsured Motorist Property Damage: A flat $3,500 minimum
Note that, like in many states, you can waive Uninsured Motorist coverage. You’ll need to submit a written request to your insurer that they can keep on file.
One noticeable thing about California minimum car insurance is that it doesn’t provide very much coverage. In fact, California has some of the lowest car insurance minimums around.
So, finding the best car insurance coverage in California comes down to asking what you really need!
Should You Accept Uninsured Motorist Coverage in California?
In the world of auto insurance California drivers have the option of going without uninsured protection.
But should they?
Uninsured Motorist coverage helps you in the event you are in a car accident involving another driver who has no insurance. Without Uninsured Motorist coverage, you might end up paying all the costs of an accident out of pocket. That includes any medical bills as well as damage to your vehicle.
Experts have estimated California is ranked 12th in the nation for uninsured motorists on the road. When you consider that nearly 40 million people live in the state, that means plenty of opportunities for accidents.
Yes, you can take an uninsured motorist to court to recover damages. But that could take months and there is no telling whether they will be able to pay. Uninsured Motorist coverage can really protect your interests!
That raises another big question …
Are California Car Insurance Minimums Enough?
In the hunt for affordable car insurance California motorists often take on minimum insurance.
But minimum car insurance in California may not be enough to protect you if you get into a wreck.
Some car insurance analysts assert that you should hold $100,000 in bodily injury liability for defense against a serious car accident. That means you have more benefits to tap to pay damages if you are found to be responsible for causing the accident.
That’s more than six times higher than California minimum car insurance.
Many people will never be in a traffic accident in their whole time on the road. And yet, accidents are a fact of life. If you get into an accident and can’t pay for all your liabilities, you might find yourself brought to court.
Knowing all that, some Californians opt for full car insurance.
“Full car insurance in California” can actually differ from one insurance company to another. That’s because it’s used as a catch-all term for the maximum amount of car insurance a company will offer its customers. That’s another great reason to compare car insurance quotes from plenty of providers before you decide.
While you’ll never be required to hold full car insurance in California, you might consider it if you live in an area with lots of vehicle accidents. You can find out from your insurer if you are in an area considered “high risk.”
Should You Get Comprehensive Car Insurance in California?
Want to be prepared for the unexpected? Comprehensive coverage could be the answer.
Comprehensive car insurance protects you from a wide range of issues other policies don’t:
- Fires, floods, and other temporary disaster conditions
- Windstorms, snow, rain, and other weather events
- Vandalism, theft, and other criminal activities
It might seem like some of these are unlikely, but think twice. With wildfire season getting worse and lasting longer, there’s definitely a risk. Flooding also happens in many parts of California.
And if you’re wondering whether comprehensive car insurance is really worth it, just ask your local bank. Lenders often require drivers to get a comprehensive coverage policy when they take out a loan to buy a new car. The policy protects the bank in case the vehicle gets totaled before it is paid off.
Only a relatively small number of people in California hold comprehensive car insurance coverage. But if you are comparing auto insurance quotes online and looking for the best car insurance in California, it’s worth pricing it.
Umbrella Liability Coverage: The Rolls-Royce of Car Insurance
When you’re wondering which auto insurance is best in California, it’s impossible to ignore this one.
For the best auto insurance California motorists can opt for a policy that will protect them from even the most extraordinary accidents. Umbrella insurance will assist you even if your liabilities far exceed your normal car insurance maximums.
Umbrella insurance is used as supplemental personal liability insurance. It has some advantages that make it worth a second look:
- It doesn’t just cover you as the policyholder, but anyone else in your family or household
- It covers both injury to another person and damage to their property
- It protects you any time liabilities you are responsible for exceed your base policy coverage
Depending on your insurer’s standards, umbrella liability coverage may cover not only your car, but your home or watercraft. When you compare car insurance in California, find out if umbrella liability coverage is available.
Get the Best Auto Insurance California Has to Offer with Cheap Insurance
When you want the best auto insurance in California, it all starts with knowing what you need.
Once you’ve decided what you expect from a policy, Cheap Insurance makes it easier to find one that will fit your budget. We’ve created the #1 resource to compare car insurance quotes online. You can see accurate and timely California car insurance quotes to help you save more money on auto insurance premiums.
The best way to save money on car insurance in the long run is to start with the lowest rate you can find. Then, as time goes on, you can qualify for safe driving discounts. If you’re not satisfied with your insurer, you can always check car insurance rates and switch!
Get started now or contact Cheap Insurance to find out more. We’re here to help you