subject: How To Get Cheap California Car Insurance [print this page] Cheap California car insurance does not exist in California. Many people drive cars in California. Distances to and from work are long for many commuters there and for this reason they will need and often use their car insurance.
The amount of requirements in this state is the reason why the insurance is so expensive. The minimum liability insurance for injury or death to one person is $15,000; $30 000 if there is more than one person involved and $5 000 for property damage. Trailers and vehicles that do not travel on highways do not require insurance.
Options for insurance in this state are plentiful. It is wise to shop around for the best deal possible for yourself. Always compare oranges with oranges when it comes to insurance. Prices many differ but then so will the amounts and types of cover that you can select. Stick to the state minimum of you want cheaper insurance, it is also prudent to know that your deductible will be higher. So if your car is damaged you will need ready cash available to pay for your portion of the damage to your car.
There are various online companies that make the process of buying insurance quick and simple. You will have everything that you need in under a few hours.
Unfortunately, California is known for very high insurance rates and in fact is about the most expensive throughout the whole of America.
To have a valid license on your car in California you need a minimum of liability insurance. This covers you for damage you have caused to another drivers property or car when you have driven into the car or property. This type of insurance also covers medical expenses and or pain and suffering that the other party may suffer.
People who have many assets that they do not want to lose in a lawsuit should increase all the minimum types of cover needed. If they are under insured, then there will be a lawsuit and you can lose your assets. Rather pay the extra and have peace of mind.
Collision cover will pay out for damage to your car no matter who was at fault. This cover is only needed if you have an expensive later model car. If your car were old and worth not much then you would be wasting money on this. Cheap California car insurance may not exist but there are options aplenty for the discerning driver.
by: Levi Wright
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