California Car Insurance

Reading about Car Insurance can be quite boring.  There are so many other things you could be doing right now.  However, does saving up to $600 a year on your insurance in less than 3 minutes sound fun to you?  It sure does to a lot of other people.  Its so easy, its like printing your own money.

California’s Average car insurance premium : $1, 209.74

U.S average car insurance premium : $1,383.00

How much are you paying?

Even if you’re paying less than the amount stated above, its a good idea to get a quote.  Its easy, its free and it could end up saving you money.

California auto insurance rates change every month, so its a good idea to come back periodically to find newer rates and better deals on your insurance.  Our software keeps track of what premiums key insurance agencies are charging in your area.  All you have to do is enter your zip code in the above form to see who has the cheapest rates.

Here are some average rates for cities around you :

  • Los Angeles : $1,654.49
  • San Diego : $1,343.89

If you’re new to the insurance world or are uncertain as to what type of coverage you should get, we suggest you start with the absolute minimum requirements for auto insurance in California.

California Minimum Coverage Requirements :

  • Bodily Injury Liability: $15,000/$30,000 Limit
  • Property Damage Liability: $5,000 Limit
  • Required limits for drivers in the California Automobile Assigned Risk Plan are $10,000/$20,000/$3,000

California Tort System

Whenever there is an accident of any type, by law, someone must be found at fault.  That person’s insurance company will be fully responsible for any and all damages caused in the accident.  Be sure to read up on how the tort system works so you don’t every get caught paying for damages you are not responsible for.

Uninsured/Underinsured Motorist Bodily Injury Coverage

As a driver in California, you are not required by law to get this type of coverage, however we highly suggest you do to protect yourself in case you’re hurt by someone who is uninsured or underinsured.

What to look for in a Car Insurance Agency?

Start by looking for the minimum amount of coverage that California requires.  Depending on your needs, customize your coverage plan by picking the right deductibles and limits.  Shop around for similar plans, you could be amazed by how much rates vary from company to company.

Don’t be Shy to Shop for another car insurance quote

If you believe that state regulators and insurance companies set firm prices and rates, you’re wrong.  Do your research, you’ll see they can vary wildly and there is no reason for you not to pay the lowest amount possible to be insured.

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How safe are you?

Did you know that most stolen vehicules in California aren’t expensive luxury cars?  You’re more likely to have a common brand name car stolen than a porsche.  Here’s a list of the most stolen cars in California in 2010.  Is your car in the list?

Most Stolen vehicles in California :

  1. 1991 Honda Accord
  2. 1995 Honda Civic
  3. 1989 Toyota Camry
  4. 1994 Acura Integra
  5. 1994 Nissan Sentra
  6. 2007 Toyota Corolla
  7. 1995 Saturn SL
  8. 1997 Nissan Altima
  9. 1997 Ford F150 Pickup
  10. 1986 Toyota Pickup 4×2

Auto Insurance Record in California

While filling up my FAQ, I came across this question : If I got into an accident, how long would it stay on my insurance record?

This got me thinking and I eventually decided to write up this article about how insurance companies in California handle your records.  Anytime you are found to be at fault in an accident and a police report is involved, the DMV will be informed.  For the next 3 years, the incident will be on your MVR (Motor Vehicle Record).  If you, or anyone in the accident had more than $750 in damages or if anyone was injured (or died), that will also be included in the report. Read the rest of this entry »

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