Like insurance everywhere, California auto insurance can be a
headache at times. However, for your own protection and the protection
of those around you, it's crucial that you be insured before you get
behind the wheel of a vehicle. This section is aimed to answer your
questions about California auto insurance.
Auto Insurance Agents
Need to find an auto insurance agent in your area? Read more...
Comparing companies is crucial to getting the best deal possible on
your auto insurance. As mentioned above, each company has a different
rating system. The trick is finding the company whose rating formula
works out the best for you. Read more...
California insurance discounts vary by company. However, many
companies offer discounts for items that they feel indicate that you
are a responsible person and therefore a safer driver. Read more...
Driving a car is like piloting a lethal weapon. Your vehicle is
capable of doing a lot of damage if you aren't careful. Even if you are
a careful driver, nobody's perfect. Read
Levels of Auto Insurance
There are different levels of California auto insurance, depending
on the amount of coverage you want. State law only requires you to
carry the basic limits listed above. However, if you can afford it you
should consider getting higher liability limits. Read more...
Risks of Not Having Auto Insurance
The best reason to carry California auto insurance is to protect
yourself in the event of a loss. If you cause an accident and don't
have insurance, you are liable for the damages. Not having auto
insurance could sink you into a black hole of debt. You will also be
creating a tremendous hardship for the other people involved in the
accident if you can't pay for their medical bills in a timely manner.
California Motorcycle Insurance
Whenever you operate a motorcycle, you are at risk of being involved
in an accident, just like you are when you operate a car. Therefore,
the law requires you to have California motorcycle insurance if you
ride a motorcycle. Read
Types of Coverage
Even though California auto insurance contracts are supposed to
written so that the average person can understand them, the standard
auto insurance contract can appear to be written in Ancient Greek to
the uninitiated. Read more...
What Affects Insurance Rates?
Each company has its own formula for determining rates that they
file with the state of California. However, Proposition 103, enacted in
1988, requires that your premium be based largely on the following 3
factors. Read more...