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All California drivers and vehicle owners must have at least the statutory limits of minimum liability insurance or have an approved alternative way to pay for injury or property damage they may cause in an accident. The minimum limits of liability insurance required by law in California are as follows:
Bodily Injury Liability
$15,000 for death or injury of any one person, in any one accident.
$30,000 for all people in any one accident.
Property Damage Liability
$5,000 for any one accident.
The 4 ways to accomplish financial responsibility:
(1) Coverage by an automobile or motor vehicle liability insurance policy;
(2) A cash deposit of $35,000 with the DMV;
(3) A certificate of self-insurance issued by DMV to owners who have fleets of more than 25 vehicles; or
(4) A surety bond for $35,000 which can be obtained from an insurance company licensed to do business in California.
You must show proof of financial responsibility if:
(a) You have an accident;
(b) You are asked for it by a law enforcement officer;
(c) You register your car or renew the registration;
(d) You get your car inspected
* * Don't buy a car that thieves tend to steal
* * Increase your deductibles
* * Pay annually, semi-annually,
or quarterly... not monthly
* * Remove any risky drivers from your policy
* * Buy a car with safety features, or add safety features like a steering wheel lock or an alarm system
This program is designed to reduce the large number of uninsured drivers. It provides good drivers who have low incomes with an affordable auto insurance option that satisfies California's financial responsibility laws. The program is available to qualified individuals living in eligible counties.
The qualifications are based primarily upon:
* Good driving record
* Household income
* Vehicle value at time of purchase
To find out more about the program and see if you are eligible call:
California Low Cost Automobile Insurance Program
Consider not only the quote they give you, but also their customer service and record for handling claims.
Check out reviews to see how they've treated their policyholders in the past. Don't make the mistake of finding out AFTER you've taken their policy.
Additionally, never assume that you will get the best insurance rate from the same company where your home or RV is insured.
A "multi-line discount" may not benefit you.
As a wise consumer, arm yourself with knowledge about auto insurance, then you can make a wise decision.
Enter your zip code in the box above to obtain the quotes you need, then purchase a policy that's right for you!
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