Frequently asked Questions on Car Insurance in California

Why is it important to have car insurance in California?

Accidents happen every day, no matter who you are. When you drive you and your family need to be protected from these situations. Car insurance protects you and your property, as well as other people on the road. Plus, it is the law in California, and you will need to have insurance before you will be able to have your car registered.

What are the minimum requirements for car insurance in California?

Like most states, it is the law to carry car insurance in California. The minimum requirements include:

Bodily Injury or Death Liability for one person: 15,000 dollars

Bodily Injury or Death Liability for two people: 30,000 dollars

Property Damage: 5,000 dollars

Obviously, the more insurance coverage you have, the better off you'll be if you need it. It is best to shop for coverage that fits your lifestyle and driving needs, rather than looking for the cheapest price. You might spend a little more every month, but having proper coverage can save you thousands in an accident.

Where do I find the cheapest car insurance rates?

There are multiple websites out there dedicated to finding cheap auto insurance quotes. You can also go directly to the car insurance website to get a quote, and shop around. The more quotes you get, the better your chances of finding a great deal! You should also comparison-shop each year or twice a year when your insurance policy expires. Although the insurance company you went with might have given you the most coverage for the best price at the time, there could be better deals out there now. You won't know if you don't research.

Can I drive without auto insurance in California?

No! It is against the law to drive or operate a vehicle in California without adequate insurance coverage. Every state, except for New Hampshire, has some sort of law about minimum insurance coverage. If you are pulled over or caught without having insurance, you could face points on your record, fines, vehicle impoundment, or license suspension. If your license is revoked, you will need to file a SR-22 form with the DMV in California to get it back. People get pulled over all the time – it is much better for you to simply carry adequate insurance coverage. Plus, this is for your benefit as it protects you and your loved ones in the case of an accident!

How to Buy Car Insurance in California Online »

If you live in the state of California and plan on operating a vehicle, it is required that you carry automobile insurance. There are a lot of car insurance companies around, both online and local. This may make it seem overwhelming to shop around. However, this is the best way to save money and is worth the effort. There are many car insurance companies online, and there are many websites that will find you multiple quotes with a single click of a button!

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