According to California state laws, it is compulsory to have California car insurance coverage if you intend to drive. If you are found driving without insurance coverage, your license may be suspended. According to the law, the minimum limits of liability insurance for bodily injury are $15, 000 for death or injury of a single person in an accident and $30, 000 for every person in an accident. For property damage, the minimum liability has been fixed to $5, 000 for an accident.

Factors Influencing The Insurance Rate

As in other states, the amount that you will pay for auto coverage policy would depend on number of factors. Your age will determine how much you pay for your California car insurance policy. If you are young and have just got a license, you would be paying a high premium. This is because, to the insurance company, you are a high risk customer.

The type of car that you drive definitely has an impact on how much you pay for your auto insurance. If you are driving a sports vehicle or an expensive car, expect to pay a higher premium. If you want to lower the rates down a little bit, make sure that your car has an anti-theft device installed. This lowers the risk of your car being stolen and thus the insurance company might be willing to lower your insurance rates.

If you are living in a crime infested neighborhood, you would have to pay a higher premium on your California car insurance coverage. Again, it would help if you have an anti-theft device installed in your vehicle. Besides your neighborhood, your driving record will also affect your insurance rates. If you driving record shows tickets and other traffic violations, you would fall under the high risk category for most of the insurance companies. This would obviously mean that it would be very hard for you to get low rates.

Shop Around For Quotes

The key to finding affordable auto insurance is to look around. Do not just settle for the company that your friend or associate recommends. It helps to get quotes from several companies. Compare their rates and the other terms that they are offering. If you shop around, you would be able to get a very good deal for yourself.

Besides getting an affordable policy for your car, you also need to make sure that you are getting the requisite cover. Moreover, make sure that you are clear about what is covered and what is not. You do not want any surprises when and if you have to file a claim.

It is a must to get California car insurance if you are driving in the state. Getting an affordable coverage is not that hard, provided that you know how to shop for one.