Article by Alex L

In the state of California, you are required to purchase car insurance. Just like other states, you need to purchase the bodily injury insurance for single and multiple persons. You also need to purchase the property damage insurance. The minimum requirement for the bodily injury insurance for per person is ,000. The requirement for the bodily injury coverage for multiple persons is ,000. The requirement for the property damage insurance is 00. Certain types of vehicles don’t need insurance coverage including trailers, special equipment vehicles and off highway vehicles.

If the vehicles are registered to the city or state, it doesn’t need coverage. If the vehicle has a planned non operation (PNO) status, you don’t have to purchase coverage for it. It is important that you shop around and compare the rates before buying. You should compare the features between different car insurance providers. The proof of car insurance should be kept in the vehicle when you are driving on the highway. If a police stop your car, you must show it to him so that you won’t get fined. After you purchase the auto insurance, the provider will submit your insurance information to the Department of Motor Vehicle. You must never let your coverage lapse as it will cause your vehicle registration to become suspended.

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California law requires that drivers have evidence of auto insurance if they are driving their own car or someone else’s. People who own a vehicle but don’t drive it are still obligated to have auto insurance in California.

California’s Compulsory Financial Responsibility Law necessitates all drivers and owners of an automobile to be financially responsible for their actions. The statutory minimum limits of liability insurance in California are that the person responsible for an accident that results in the death or injury of one person is liable for $15,000, or $30,000 if there are multiple injuries in one accident. The responsible party is liable for $5,000 of property damage for any one accident.

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The auto insurance industry is a very competitive game. It constantly demands that insurance companies give their best or they get little business. In short, competition is good for the consumer. If the prices they quote you are too expensive or their service is lacking, they know that you will move on to their competitors. This gives agents and insurance companies a very big reason to treat you like a VIP.

If you are not satisfied with your insurer, or just curious to see if you could save some money on your premiums, this information is for you.

Research

Since auto insurance is not optional, it pays you to find the cheapest rates available. Instead of driving around town going to agents or spending all day on the phone, I recommend shopping online. This is by far the most efficient way to shop for insurance and compare quotes. Here are some things to consider while shopping for auto insurance.

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