Auto Insurance In CA: I'm So Mad I Didn't Know This!
How many times each week do you get in your car? Twenty? Thirty? Or maybe you're driving to work and to run errands, and you're shuttling your kids from activity to activity. Forty times? Fifty? With gas costs rising, you're probably paying more attention to your driving habits. But how long has it been since you thought about your car insurance?
California state laws require that any driver with a license has to carry the necessary type and amount of auto insurance, just like every other state in the United States does. This measure protects drivers and pedestrians alike. At a minimum, California requires drivers to carry a type of insurance called "liability insurance."
Liability auto insurance in CA must meet the following statutory minimum limits: it must cover bodily injury of one person in one accident up to $15,000; it must cover bodily injury of every person in one accident up to $30,000; and it must cover property damage up to $5,000 for any one accident. It is crucial to note that this is the absolute minimum level of coverage - and that it is required by law.
Every driver must carry proof of insurance at all times. This is done for your safety and for the safety of others. It ensures that, in the event of an accident, both parties will be able to trade accurate information and resolve the situation as quickly as possible.
Failing to carry proof of auto insurance in CA can result in dramatic consequences. If you do not have proof of California auto insurance, you can't legally obtain or renew a vehicle registration. Similarly, if you do not carry proof of insurance, your registration can be suspended - sometimes indefinitely - until you provide proof of insurance. This means that you will not be legally able to drive. Moreover, proof of insurance matters even outside the DMV. If you are stopped by a police officer for any traffic violation, you are legally required to display that proof.
You know now how important it is to have auto insurance in CA. Minimum liability coverage might sound like a lot of money, but many insurance companies currently offer minimum coverage at affordable rates. If you do a little bit of research, you can get insured for a reasonable price - and if you have a good driving record, that price will go down. Ultimately, it's much safer, and much cheaper, to abide by the law and get car insurance. If you get in an accident, you'll save money, and if you drive safely, you'll be a law-abiding citizen.
Compare multiple California auto insurance quotes online with one easy form at Affordable-Auto-Insurance-Quotes.com. It takes only about 4-minutes to complete our car insurance quote request form. A few minutes now can save you thousands of dollars over the coming months on your auto insurance in CA.
Published January 24th, 2008
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