Best California Auto and Car Insurance Quotes

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California car insurance minimums are as follows:

$15,000 bodily insurance for injury of one person in one accident
$30,000 bodily insurance for injury of more than one person in one accident
$5,000 property damage for one accident

These minimums cover the other party’s injuries and property damage in a collision. If the cost of damages exceeds the minimum, you could be held responsible for paying thousands of dollars out of your own pocket. How do you avoid this frightening prospect?

Shop CAREFULLY! Be your own advocate and educate yourself about the best deals. Obtain quotes online from many different companies to quickly find out where you can save a buck.
What are car insurance companies looking for?
-Good driving record
-Driving experience (sorry, teens)
-Car safety features
-Insure home or other car with same company
-Profession - engineers, scientists, and teachers statistically have less accidents
-And sometimes they’ll even look for good credit

Keep these factors in mind while shopping as they may considerably lower your premium. Do you already have car insurance? A good record can lower your premium year after year. If your insurance company isn’t having to pay out on your behalf, they will want to keep you as a customer.

Listen up, Californians, there are a few other things to consider. California has a high rate of uninsured motorists. Lets say you are a responsible, insured driver. If you get hit by an uninsured driver, the cost of damages will most likely fall on your shoulders.
“But, wait!” you say, “Why should I pay for an accident that wasn’t my fault?”
The world is full of injustices.

There is, however, some good news about this particular injustice. Uninsured motorist coverage allows your insurance company to help you in the event of such an accident. Yes, you must pay for it, but when you consider the fact that roughly 20% of Californians take to the open road with insufficient or no car insurance, you might find that it is worth it to protect yourself. Or move to Massachusetts, which is ranked number one in the United States for insured drivers.
Lets consider other ways your vehicle could be in danger while living in the Golden State. Fires, earthquakes, paparazzi attack… Comprehensive insurance is what you’re looking for. This should cover anything besides an actual car wreck.

Now that you are armed with info, its time to use the web to compare quotes. Happy saving!