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Sacramento, capital of the U.S. state of California, lies at the junction of two rivers, the Sacramento River and American River. The antiquity of Old Sacramento goes back to the city’s Gold Rush era, with wooden sidewalks and wagon rides. As one of our states most important cities Sacramento is of course full of tourists and traffic. With all of that, cheap car insurance is always on the minds of Sacramento residents.

State law requires California drivers to carry a minimum of liability coverage in the amounts of $15,000 per person/$30,000 per occurrence in bodily injury and $5,000 in property damage. But driving in California can be unpredictable. A more comprehensive policy is often a sound investment – and even a requirement if you’re leasing or financing your ride. Find a policy that fits your needs, with options such as:

  • Product damage liability – covers damage to another vehicle when you are at fault in an accident
  • Bodily injury liability – covers medical costs for injured passengers or drivers when you are at fault in an accident
  • Personal injury protection/medical – covers medical costs for yourself regardless of who is at fault
  • Collision – covers damage to your vehicle resulting from a collision regardless of fault
  • Uninsured/underinsured motorist – covers damage to your vehicle when the at-fault driver’s insurance coverage is insufficient to pay for damages
  • Comprehensive damage coverage – covers damage to your vehicle regardless of the cause (may include floods, weather, animals) as well as theft
  • Rental reimbursement – pays for the cost of a rental vehicle while your car is being repaired or replaced

Almost 25% of drivers in the state don’t have insurance, making Uninsured Motorist Coverage a good choice. Most insurance professionals agree that California’s basic coverage isn’t adequate. The rising cost of automobiles, body-shop repair, and health care means you should carry more than basic insurance. You should also make sure you are taking advantage of every signal discount that applies to you. Here are some other options to consider:

  • Marital discounts
  • Good driver discounts
  • Multi-car discounts
  • Multi-policy discounts
  • Association discounts
  • Education discounts
  • Occupation discounts
  • Excess vehicle discounts
  • Mileage discounts

Auto insurance rates in California tend to be among the more expensive in this half of the nation. Because of that, most experts recommend you review your car insurance every six months to make sure you are getting all the coverage you need at the best price.