California Car insurance is required by law. All drivers need to have at least minimum liability insurance in order to legally operate their vehicles in the state. Getting California cheap car insurance is possible with these tips!
With so many options to select from, it can be difficult to know where to begin when looking for California cheapest car insurance. That’s why it’s important to look for insurance quotes offered by different insurance companies.
Minimum Liability Car Insurance
Minimum liability insurance is the cheapest car insurance option you can buy in California. While these plans offer inexpensive insurance, nonetheless, make sure that they offer enough coverage in the event of an accident.
For Full Coverage California Car Insurance
Full coverage car insurance in California is more expensive than liability car insurance, it offers more protection and larger coverage limits.
Simultaneously, comprehensive and collision insurance are included in a full coverage auto policy, which protects drivers from both road accidents and off-road occurrences.
Cheap Auto Insurance for Good Drivers in California
If you haven’t had traffic violations on your driving record, like a speeding ticket, a DUI, or automobile accident, in the last five years, you will be able to receive the cheap auto insurance in California.
Car Insurance for California High Risk Drivers
There are options for California cheap car insurance for drivers with DUI violations or traffic fines. We recommend obtaining multiple cheap car insurance quotes.
Because drivers with traffic violations are regarded as riskier to insure, the cost of auto insurance will be higher.
California Inexpensive Car Insurance Quotes
Car insurance providers calculate California inexpensive car insurance quotes depending on a variety of factors, one of which is the vehicle’s location.
Tips for Choosing California Affordable Car Insurance Quotes
Minimum auto insurance requirements: A minimum amount of liability insurance coverage is required by law for California drivers. This includes minimum coverage for bodily injury liability and property damage liability.
Uninsured motorist bodily injury and property damage coverage must be offered by your vehicle insurance provider, however, you can decline it in writing.
Lender requirements: If you’re financing or leasing a car, you will have to get full coverage auto insurance to meet the requirements of your lender.
For example, many lenders require you to get collision and comprehensive insurance if your car is leased or loaned. Automobile insurance policies like these are referred to as full coverage insurance.
Individual needs: There is no one-size fits all approach to affordable car insurance. Some people live in areas where traffic and tourism are intense (such as Los Angeles or San Francisco), others have a bad driving record, or insure a young driver.
Depending on your specific requirements, having collision and comprehensive coverage, uninsured motorist coverage, or towing and rental reimbursement is a good idea.
California Inexpensive Vehicle Insurance FAQs
Am I required to carry California vehicle insurance?
Yes, California requires drivers to carry at least the minimum vehicle insurance coverages. If you do not have auto liability insurance expect:
- Fines.
- License suspension.
- Impounding of the car.
What is the best California inexpensive car insurance quote?
Looking for the best California inexpensive auto insurance quotes, stellar customer service, a digital app, and the needed insurance coverage might help you identify which California car insurance company can a fit. You can then get car insurance quotes from several of these insurance companies to see which is the best fit.
How much California automobile Insurance is Needed?
California requires both liability insurance and uninsured motorist liability insurance. The minimum level of automobile insurance coverage required by California state law is:
- Bodily injury liability insurance: $30,000 per person, $60,000 per accident.
- Property damage liability coverage: $15,000.
- Uninsured motorist bodily injury coverage: $30,000 per person, $60,000 per accident.
Can You Drive Someone Else’s Car Without Insurance in California?
You don’t need non owner car insurance to drive someone else’s car occasionally. Their auto insurance policy will generally include permissive use coverage for other drivers.
However, if you don’t own a car and frequently borrow other people’s vehicles, you will want a non owner auto insurance policy to provide a comfortable level of insurance in California.
Discounts For Cheap Car Insurance Quotes in California
Make cheap car insurance quotes even more affordable with a couple of discounts available for California drivers, especially, these below.
Good Driver California Auto insurance Discounts
The Good Driver Discount policy is a special law that requires auto insurance companies to offer a 20 percent discount on premiums to motorists who drive exceptionally well. To be eligible for example, a Good Driver must be:
- A valid license holder for at least three years
- Licensed in the US or Canada in the past 18 months
- Without more than one point received from the DMV in the last three years
- Without offenses or felonies related to driving in the past 10 years
Good Student California Car Insurance Discounts
Young drivers in their teenage years or twenties, will be eligible for a Good Student Discount with their California car insurance. The discount percentage varies per insurer, but it is as low as 7% or up to 20%. Their requirements are as follows:
- Have 8 years or less of driving experience.
- Be currently enrolled full-time in high school, college, university, or homeschooling.
- Maintain an average of B, 3.0 GPA, top 20% in SATs, or other academic equivalents.
Other Available California Vehicle Insurance Discounts
Even more, California vehicle insurance discounts to point out:
- Multi-car coverage. This is for drivers who will insure more than one vehicle with the same insurer.
- Defensive driver/mature driver discount. Drivers over 50 years old get a small discount by finishing a certified defensive driving course.
- Multiple Policy Discount. By purchasing other insurance policies besides your auto insurance policy.
Driving in California is quite similar to driving in other states: fewer cars in smaller cities, more cars in bigger cities. Urban centers like Los Angeles are notorious for their traffic jams.
California has a large motorist population, with over 27 million licensed drivers. With many people driving, you can expect a higher number of accidents. More than 16 percent of California drivers are also uninsured, in other words, you can’t file an insurance claim against them if they injure you or damage your car in an accident.
