california car insurance

If you drive a car in California, there are certain laws that affect you. Under the state's insurance laws, you are financially responsible for your actions. You must show your ability to pay for damages or injury to others resulting from the ownership or operation of a car in the state. Every driver and owner of a car is financially responsible for their actions. The statutory liability insurance in California is subject to the following limits...

Bodily Injury
$15,000 for death or injury of any one person, any one accident.
$30,000 for all persons in any one accident.

Property Damage
$5,000 for any one accident.

Financial responsibility can be achieved in four ways...

1. Coverage by a motor vehicle or automobile liability insurance policy.

2. Depositing $35,000 with the Department of Motor Vehicles.

3. If you over 25 vehicles, a fleet of motor vehicles department will issue its own certificate of insurance itself.

4. A California licensed insurance company can provide you with a surety bond for $35,000.

Under California law, you must have at least the statutory limits of minimum liability insurance or an approved substitute to compensate for injury or property damage you may cause. Nonconformity with the law will subject you to extremely harsh penalties. Your license may be suspended, for example.

You can easily comply with California Car Insurance Laws by buying an auto insurance policy. It is your responsibility to provide liability insurance for any car you own regardless of who is operating the vehicle. It is illegal for cars to be operated without meeting this law.

And, with the internet, you really do NOT have to waste time shopping for the best policy for you. All you have to do is go to a reputable insurance quotes site, complete a form and then you'll get auto insurance quotes from a number of agents. It has never been this easy to get the policy you need.

Here are great pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Auto Insurance Quotes

Chimezirim Odimba writes on insurance.

california car insurance

If you don't realize that you could be paying more or less in your car insurance in Stockton, California just because of your profession, you're probably losing too much cash that way. Your understanding of this fact and what to do about it is crucial. A good number of folks are throwing away a ton of cash just because they don't know this straightforward tip. I wish you are not one. This write-up will show you how to take advantage of, or get low car insurance (Stockton, California) rates, despite your occupation.

Just to give you an overview...

The most favored professionals with respect to car insurance are scientists. They pay the cheapest premiums with an average vehicle insurance rate of $870.

At the other end of the spectrum are business owners. The average business owner gets auto insurance premiums of $1,400.

Occupations that are given the lowest vehicle insurance premiums are generally low stress jobs, have taking safety precautions as an essential part of their training, use the public transport system more often than not and are generally meticulous as a group.

Although these all may not necessarily be true of all members of the profession, as a group, they are regarded as such statistically.

You can get great discounts for being a scientist, engineer, pilot, a teacher and so on. However, even if your profession is such that attracts higher rates, you can still lower your rates by doing the following...

Visit, obtain and compare car insurance (Stockton, California) quotes from insurance quotes sites.

They help you get even much more savings since they do more than tell you if your profession gets special concessions. They provide you with the actual numbers which makes it far easier for you to make a truly informed choice.

You can get savings of over $ 2,000 for Stockton, your car insurance policy in California to get insurance quotes from insurance quotes sites. You'll make savings if you go to just one of such sites. However, you'll get better results by visiting at least three. This is because offers not presented by one site would be presented by the other.

And since your chances of receiving lower car insurance Stockton, California quotes is tied to the number of quotes you obtain, the more insurance companies you get quotes from, the higher your chances. This raises your chances of receiving the most affordable rates.

Here are my favorite pages for auto insurance quotes...

InsureMe Auto Insurance Quotes

Hometown Auto Insurance Quotes

Publishers can get unique versions of my articles by following any of the links above. Click on "To Use My Articles" when you get to my site.

Chimezirim Odimba writes on insurance.

california car insurance

Santa Rosa California Car insurance companies continue to explore new and better methods to offer the best services to the people of Santa Rosa. The advance of modern technology - particularly in the area of the internet - helps the car insurance policy holders of Santa Rosa to access competitive quotes from the convenience of their home. Thus the car insurance customers of Santa Rosa California can save a lot of time, money and energy.

Car insurance rates and coverage in Santa Rosa California

The best of the car insurance companies in Santa Rosa California lets you compare various insurance policies and rates and select the best one. Just like other cities in California, you are provided with general insurance rates of 15/30/5. This means $15,000 for a single person, $30,000 for many people engaged in an accident and $5,000 for all cars damaged in an accident.

However, car insurance coverage in Santa Rosa California is famous for the following reasons:

• Provides you with vast network of insurance companies, agents and brokers.
• Provides you with simple quote request forms that take a few minutes to complete.

Follow the mentioned tips to get the best car insurance rates in Santa Rosa:

• Introduce safety devices like anti theft immobilizers, seat belts, air bags etc. to get better discounts than others.
• Drive less to get better insurance rates. Your insurance company charges you more if you drive lots. The less you drive the cheaper your premiums will be.

However, don't forget to shop online. Rates can vary dramatically from one company to another. With a few clicks of the mouse, you can have several quotes and get low cost car insurance Santa Rosa California.

Richard Cunningham is a successful entrepreneur and publisher of several profitable websites on Auto Insurance Quotes and Home Insurance [http://www.homeownerinsurancequoteranger.com].

california car insurance

Unless a person has a stellar driving record, dating back at least three years they can expect to have a struggle on their hands when it comes to finding cheap car insurance in San Francisco, California. This bay area city is home to one of the most diverse groups of individuals in the world. It's also home to a car insurance market that doesn't look favorably one anyone who has been in a recent accident. In fact, any resident of San Francisco who has been at fault in a collision will automatically be put into the assigned risk category of insurance. Being labeled an assigned risk means increased premiums.

There are other ways to lower insurance rates that fall outside the realm of driving history. Typically each individual car insurance company in San Francisco will have their own set of discount rules. There are some common ways to save money on car insurance while shopping for car insurance no one would benefit from remembering.

Kids cost lots of money to raise and even more money to insure. If a parent allows their teenager to purchase their own vehicle and then add it to the family's insurance plan, the cost goes through the roof. The best approach to insuring a new driver is to first have them complete a recognized driver training class and then add them on to an already insured vehicle as an occasional driver. Once the young man or woman has proven they are a responsible driver by staying out of trouble and accidents, they can then think about getting a car of their own, as well as their own insurance policy.

Although some car insurance companies in San Francisco, California will offer a discount for several cars all insured under the same policy, the drivers' records are a big part of the picture. Keeping your family aware of how important it is to be a good driver can save a lot of money in the long run.

Recommended sites for low rate insurance

Cheap Car Insurance Quotes in San Francisco, California
Quick Auto and Home Quotes (Combined)

california car insurance

Looking for cheap southern California auto insurance rates? If you are a CA driver looking for cheap rates, then there are a few things you can do to reach this goal. The first thing you need to do to get the best rate on the market for your situation is to shop around. Insurance companies in California are no different from those in other part of the country; they want your business and are willing to offer competitive pricing to get it. Here are some other ideas.

-Take some time to visit different insurance company web sites to get an idea for the level of coverage you can expect to get for a low price. This will vary from company to company, and doing a bit of leg work will pay off in the long run, since each company has its own way of evaluating level of risk when someone applies for insurance coverage.

-If you are a new driver, it makes good sense to take a recognized driver's education course. If you can produce a certificate indicating you have successfully completed one, it tells your insurance company that you are careful driver who should be rewarded with a discounted rate on your coverage. In some cases, the discounts offered may be substantial.

-Installing safety devices in your vehicle can also get you a better rate on your coverage. Consider an alarm system or a disabling device to lower your risk of being a victim of auto theft. Buying a car equipped with air bags can save you some cash, as well. If you have anti-lock brakes, be sure to mention this fact to the insurance company, too.

-Students can qualify for better rates on their auto insurance by getting good grades. If you have a flat-rated at least 3.0, your insurance company may reward you with discounts on your insurance level. If you can show your insurer that you are responsible enough to get high marks, then they may feel that you are responsible enough to operate a car safely.

These suggestions may help you get cheaper rates on your auto insurance rates in Southern California, and other parts of the country. Be sure that you compare California car insurance quotes from at least 5 different companies to find the best deal.

Get started saving some money on southern California auto insurance today!

california car insurance

Your California car insurance company is designed to sell you the coverage that you need to drive your car legally in the state of California. California is one of many states which require a minimum amount of automobile insurance in order for your vehicle to be licensed.

California insurance rates have typically been at dramatic variance with one another. Some companies are issuing a policy to someone at about 900 dollars per year, while another will issue an identical policy to an identical driver, and vehicle, and will do so at a rate of about $3,000 dollars per year. As you can see, it pays to shop around a great deal before you open your wallet and sign on the dotted line.

Car insurance rates will be widely different, particularly from one state to another but also from one insurance company to another. California insurance rates are some of the highest in the United States currently. Those costs are being lowered and may in fact go still further downhill, so that they are able to compete with those who are lowering rates.

In some cases, California's insurance companies are requesting rate hikes, a fact which doesn't seem to make a great deal of sense in light of the recent comments by the Insurance commissioner for California.

In June of this year, California's Insurance Commissioner Steve Poizner announced that Mercury General, a company which is based in Los Angeles and was already termed a low cost insurer, had lowered their rates nearly 3 percent for all of its million and a half customers. Poizner also predicted that due to a much healthier market, and the fact that driving was becoming safer, with some new legislation on its way in regarding cell phone use, those rates could continue to drop in California.

Presently, with gasoline prices so high, your California insurance company may be seeking ways to help you cope with the increased cost of driving and lower their premiums substantially, as some are. Others who are not going to see some of their customers to make a quick exit as soon as their contracts are up, to find a company whose rates are lower and who is willing to work with them. California is seeing a vast change in the rates of many different insurance companies, and it is currently a great time to shop for insurance because, to put it bluntly, it's a buyers market.

Those who are not willing to lower their rates, but instead, raise them, even though the insurance market is healthier than it has been in years, will find that the loyal customer may move to a company that will offer them the best deal on their automobile insurance. After all, there's no sense in paying more than you have to for anything, and that includes your car insurance.

You can find out more about a California Car Insurance Company as well as much more information and tips on Car Insurance at http://www.CaliforniaCarInsuranceTips.com

california car insurance

California is deadly serious about all of its drivers having at least a basic liability policy. For, in particular, that all the resources to purchase a single driver car insurance, California's policy of two super-cheap one is the cheapest policy is to buy somewhere in the state provides legal.

The first policy is known as the California Low Cost Automobile Insurance Program, or CLCA. Under this state-sponsored program any driver with a good driving record who is at least 19 years old and who meets certain income requirements can purchase a super-cheap liability insurance. For additional information call toll free: 1-866 - 602-8861.

But even if you do not meet the requirements for the CLCA program, California still makes an extremely affordable basic liability policy available for all of its drivers. The policy is known as a 15/30/5 policy.

This policy pays a maximum of $15,000 toward the medical expenses of any one individual who is in an accident with your vehicle if you are determined to be at fault in the accident. It also pays a maximum of $30,000 to cover the medical expenses of everyone involved in the same accident and it pays a maximum of $5,000 for any property damage your vehicle has caused.

There are two reasons this coverage is considered high risk. For one thing a liability policy alone pays nothing for the repair of your vehicle after an accident and it pays ZERO for your medical bills or for the medical bills of anyone in your vehicle at the time of an accident.

More importantly, perhaps, a basic liability policy doesn't provide for much coverage. Even a moderate accident could result in medical and property damage costs far in excess of the maximum payouts of your policy. If that should be the case YOU could be held personally liable for paying any difference, even if it means you have to sell your home to do so.

Still, if money is an issue a basic liability policy is the cheapest form of car insurance you can buy and still drive 100% legally in California, and if you want to get your liability policy at the cheapest rate possible then you'll want to look online.

In fact, buying your policy online is the cheapest way to buy your auto coverage BY FAR. Online sellers have almost no overhead plus they have a lot of competition, two facts which add up to incredible savings for you! Buying your policy online is equivalent to buying it at wholesale prices.

My Recommended Sites:
My #1 Recommendation For Affordable High Risk Car Insurance in California

Affordable Auto/Car Insurance Policy in California

california car insurance