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California Cheap Car Insurance

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California cheap car insurance is a tough thing to find these days.  With all of the drivers in the California area, cheap car insurance is not easily located.  Using online quotes for California cheap car insurance can be an option, but do you know what your are getting?  What are the requirements for California Car Insurance?

Minimum California Car Insurance

In order to have and drive a car in the sate of California, you are required to have liability insurance only.  Liability car insurance in California pays for damage to another person’s car or property when you’re at fault in an accident. It also pays for any medical expenses they or their passengers may incur, and compensates them for pain and suffering.

Liability Coverage

The minimum required liability coverage in California is $15,000 coverage for injuries to any one person in another car, $30,000 coverage for injuries to all persons in the other car, and $5,000 coverage for damage to the other person’s car or property.

If you don’t have a lot of assets the minimum liability coverage may be enough, but if you have assets you want to protect from a lawsuit, you should increase your liability insurance to cover them.

Optional Coverages

Collision - This pays for repairs to your car no matter who was at fault. If you drive an older car that’s not worth much, consider eliminating this coverage. If you drive a late model car you can save money by increasing your deductible.  You can save money with cheap car insurance on this.

Comprehensive - This pays for damage done to your car by anything other than a collision - fire, vandalism, theft, hail, etc. If you have an older car you may want to skip this coverage. If you drive a newer car, increase your deductible to save on your premium with California cheap car insurance.

Personal Injury Protection - This pays for the occupants medical bills when you’re involved in an accident.

Uninsured/Underinsured Motorist - This pays for you and your passenger’s medical expenses and damage to your car caused by an uninsured, underinsured, or hit-and-run driver. One-quarter of the drivers in California are driving without a license, so this is good insurance to have.

Cheap California Car Insurance Quote Online

Because rates can vary dramatically from one company to the next in California, the best way to get cheap car insurance quotes online is to compare quotes from different auto insurance companies.

Now you know what California car insurance is about, and how to get cheap car insurance in California.  Looking around for California cheap car insurance can be tricky, but these tips on what is required should help you understand more information about California car insurance.

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