Driving the Insured Way in California

The State of California requires all its licensed drivers and vehicle owners to acquire auto insurance. Most of these policies are quite affordable and flexible for the average policyholder. For citizens with low income, the state provides some means for them to acquire auto insurance without having to burden them financially.

Such is the goal of the California Low Cost Automobile Insurance Program—to offer low-cost auto insurance so each driver and owner of the automobile can fulfill the requisites of the Compulsory Financial Responsibility Law imposed by the state. What is good about this program is that it is not subsidized by taxpayers. Premiums also differ from one country to another to address particular expenses and losses incurred by each county. To qualify, an applicant must be 19 years old and more, with at least three years of driving experience, have good driving standards, and is under the low-income limit. Logically, those possessing vehicles valued to be more than $20,000 do not qualify. There is also a minimum limits for liability insurance, known as the 15/30/5. This translates to $15,000 liability for death or injury of an individual person, $30,000 liability for all persons in one accident, and $5,000 liability for property damage in any single accident.

Auto insurance policies offered in California has a lot of features, some of which are designed to offer additional coverage to the driver and to his passengers. Such is the Personal Injury Protection feature, which pays for medical expenses incurred as result of accident. Another supplemental feature is a coverage that addresses injuries on the policyholder caused by a driver who does not have any insurance policy at all. Anyone who has tried to obtain private auto insurance policies would know that their driving history and accident records also figure out in whether the insurance application gets approved or not. Consequently, being a conscientious and law abiding driver would go a long way in helping a potential policyholder obtain the most suitable auto insurance policy available.

Every potential policyholder must keep in mind to transact only with licensed insurance provider and agent. Any suspicious deals or offers should be immediately reported to proper authorities. Though most auto insurance would contain similar features, scrutinize each and every feature offered so as to determine which would readily answer the need of the policyholder and his family. The ability of a policyholder to keep up with his scheduled premium payment must also be considered, as failure to do so would certainly mean added hassles and worries on their part. Lastly, there are some vehicle dealers that offer some form of assistance in obtaining and processing auto insurance and some can really be considered as good deals that drivers shouldn’t miss.

After a driver has acquired the mandatory auto insurance policy, there are also several things to keep in mind in order for them to enjoy and use their policies to its greatest advantage. One major thing to keep in mind is that the state requires drivers to keep their Proof of Insurance close at hand wherever they go. This particular document comes in the form of a card that lists the covered vehicles and drivers. Information on the insurance policy itself, such as policy number and its expiration date, is also contained in the card. In case a driver get pulled over or figured in a road mishap, he will be asked to produce this document. Failure to do so would mean some court time, fine, and possible impoundment of vehicle. The Proof of Insurance is also needed in order for a vehicle owner to renew registration with the California Department of Motor Vehicles.

We have helped customers from Los Angeles, San Diego, San Jose, San Francisco, Long Beach, Fresno, CA and other great cities in the golden state lower their premiums and save money on their insurance. Use the form above to find low cost auto insurance, homeowners insurance, medical insurance, life insurance or long term care insurance. Using our California insurance agent and broker network, you can compare rates quickly from the comfort of your home.

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