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California Auto Insurance

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

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...
 

Insurance Discounts

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...
 

Insurance Requirements

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 more...
 

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. Read more...
 

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 more...
 

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...

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