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.

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california car insurance