How To Get A Cheap California Auto Insurance

How to get a Cheap California Auto insurance

California is one of the most expensive insurance state in U.S, so to get really cheap California auto insurance, you can apply to some rules or tips you can get in my site like Car Insurance Extra, How to lower the cost of car insurance, automobile insurance rules, finding cheap auto insurance.

What is the minimum requirement to get a really cheap California auto insurance?
The minimum requirement to get your car on the road in California is to have liability insurance. This pays for damage to another person’s property or car or medical expenses of those drivers and his passengers. The insurance will also compensate them for pain and suffering.

What is the minimum coverage for the insurance?
To get a cheap California auto insurance, the minimum liability coverage is 15-30-05. That means you need to have $15,000 coverage to any one person in the other car, $30,000 coverage for injuries to all persons in the other car, and $5,000 coverage for damage to that person’s car or property.

Tips : If you don’t have a lot of assets, the minimum liability coverage may be enough and that will be a cheap california auto insurance. But if you have assets you want to protect from a lawsuit, you should increase your liability coverage to protect them.

Avoid High California Car Insurance Rates.
We received a lot of enquiries and emails asking “how to avoid having high california car insurance rates?”, we would definitely advise you to do a few things below:-
1. Have you request for more than 3 quotes from 3 different companies?
2. Did you ask discount from them?
3. Do you understand Automobile Insurance Rules? Make sure you ask them every single coverage or any insurance extras. Read How to lower the Cost of Car insurance? and Car Insurance Extra : Worth it?.
4. Be honest to them, tell them if you never receive any fines and never claimed your insurance before.
5. If you are looking for a cheap california auto insurance, make sure you get cars in 10 Easiest Car to Get insured.

Cheap California Auto Insurance Optional Coverages?

Not insured/under insured driver – This pay for you and your passenger’s medical bill and damages caused to your car caused by an uninsured, under insured or hit and run driver. 1/4 of the drivers in california are driving without having a proper license and insurance, it’s a good insurance to have.

Personal Injury Protection – This pay for you and your passenger’s medical bill when you cause an accident. If you already have a medical insurance, then don’t add this so you can get a cheap california auto insurannce.

Collision – This pay for your car damages no matter you are wrong or not in an accident. If you drive an older car that don’t worth much, consider to eliminate this option to get a cheap california auto insurance. If you drive a late model car, you can have a great deductable rate.

Comprehensive – This pay for damages done to your car by anything other than a collision – fire, theft, hail, tornado etc. if you
drive a new car, increase your deductible to save on your premium.

Well, there’s definitely a lot more to learn when it’s about auto insurance, read more about my other auto insurance information(Cheapest car to insure, easiest car to get insurance, teenagers insurance). Thanks.

Best wishes
David J Young