As in many other states in the U.S, auto insurance is mandatory in California. If you possess and operate a motor vehicle in the State of California, the law requires that you purchase auto insurance. This requirement can become complicated given the cost of auto insurance in the Sunshine state. California has some of the most expensive auto insurance rates in the US. So how would you go about getting affordable auto insurance in CA and save money?
Online search
One of the best ways of locating reasonably-priced auto insurance in California is to do a simple online search on websites such as www.marinaamezcuainsurance.com. Getting a quote is free and can be as easy as completing a simple online form. Here are some basic requirements before you can qualify for California Low-cost liability insurance:
You must meet a set of minimum requirements
In order to qualify for California low-cost liability auto insurance, you must meet some basic criteria set down by a law conveniently known as Some basic information on insurance is worthwhile before you look for auto insurance in California 15/30/15. The coverage must be at least$15,000 for bodily injury and $30,000 per accident. Property damage must be at least $15000. As insurance experts, we recommend getting higher coverage. This is because in the event you are found to be at fault in an accident that caused death or injury, the financial implications to you may be way more than what this basic coverage can provide.
Helpful terms to consider when shopping for California low-cost liability auto insurance
Comprehensive coverage
This is the recommended type of insurance coverage. It covers both damages to your vehicle in addition to other mishaps such as fire, theft, and vandalism among others.
Personal Injury Protection
This refers to coverage that takes care of physical damage to you and your passengers including death
Collision
This coverage pertains to damage caused to your car by collision.
Uninsured Motorist
This is important. It covers you for damages caused to you and/or your car in the event of a collision or accident with a car driven by a motorist who has no insurance.
Gap Insurance
This is insurance that is required by banks or financial institutions that have financed your car. It covers the gap between the loan amount and market value of the vehicle. This is particularly important for new vehicles which can depreciate several thousand dollars the moment you drive them off the lot.