California Car insurance: Cheapest Car Insurance

Picture: California car insurance

If you are looking for cheapest auto insurance in the state of California, please enter your zip code above to get the list of the cheapest car insurance companies near you.

Comparing quotes from those companies will most likely provide you with the lowest rate you will be able to find for you coverage.

It is very important to get your car insured when you are residing in California. They have a state law that requires those registered vehicles to be covered by liability insurance so that when accidents occur, the person who drives the vehicle would have the cash flow to get the damages fixed.

Read Also: Idaho Car Insurance: Cheapest Car Insurance

The implementation of this law in the state is getting tighter right now due to the increase in the number of car accidents and also their discovery that there are some people who operate their vehicles with insufficient liability insurance coverage that is required by the state or they have no insurance at all.

The California car insurance law clearly states that every vehicle should have insurance and the ones that don’t have one would be removed from the highways.

This law also stipulates that the drivers should always carry a proof of their car insurances with them because they would be asked to present them at different circumstances. Drivers who are at fault of car accidents will be asked to present a proof.

The authorities would also make routine stops to vehicles and ask the driver to present the same document.

If the driver fails to present it or of the authorities find out that the vehicle is being operated with insufficient coverage, the driver could face some punishments like suspensions of registration and significant fines.

The California drivers are required to have a liability insurance of $15,000 for bodily injury to one person, $30,000 to bodily injury to multiple persons, and $5,000 to the properties that are damaged on the accident.

As you can see, it is quite lower if you compare it to the liability requirements of other states. If you fail to have these requirements and you get into a car accident, you are in a lot of trouble. Breaking the California car insurance law that are being enforced on the drivers can lead to some penalties.

There is a great possibility that your registration would be suspended and you may have to pay some fines. For those people that had their insurances cancelled, they would be given by the DMV a grace of 45 days to get it renewed.

If you receive a letter from the DMV that your registration is being suspended, you can immediately send them your insurance information and also pay the fees so that you could hit the road right away.

Unlike other states, you don’t need to do business with those insurance companies that are authorized by the state. You can basically choose whichever company that you want as long as you get the coverage that is required by the state.

This is really good actually because the vehicle owners would have more options in choosing a car insurance provider. What is really popular in the auto insurance market in California right now is by doing these transactions online.

This method isn’t just quick and easy, but it also offers great savings to those insurance buyers. Just make sure that when you already have an insurance you bring a proof of it with you at all times.

The DMV makes routine stops just to check if every vehicle in their highways is completely covered by liability insurance. (*)