Auto Insurance In California
Readers Question:
I need information about auto insurance in California. I just need to know the basics like what are the required auto insurance coverage in California or how can I save on my auto insurance, stuff like that. Thanks!
Betty
Bakersfield, CA
Hello Betty!
The state of California has financial responsibility laws. And in most cases, the residents of California (and thats including me) choose to have auto insurance to meet the required financial responsibility laws here.
According to Section 16451 of the Vehicle Code, the minimum required auto insurance in California includes:
$15,000 bodily injury liability for every person in every accident
$30,000 for all persons for every accident
$5,000 for property damage for every accident.
Now, to help you get a good deal for your auto insurance in California, you must be aware of the discounts that could help you get lower auto insurance rates
For one, the good driver discount. This type of discount is offered to drivers who have a license for three or more years, has never caused an accident, and has no more than one point on his or her driving records.
Another is the good student discount. Normally, auto insurance companies offer better auto insurance rates for students who are able to get an average of 2.0 or higher.
Lastly, low driving mileage discount. For auto insurance companies, drivers who use their vehicles less than often have lower chances of getting involved in accidents thus lower chances of filing for auto insurance claims. And thats why they offer a discount for that.
For more auto insurance discounts in your area, you can also ask your auto insurance agent.
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