California car insurance can be very expensive and often people try to find better prices when they look online to compare auto insurance quotes. It is a competitive business and when you see an add that says they can save you money if you give their insurance a chance, it is often true. It is always a good idea to take a look at your policy every once in a while and compare auto insurance quotes to see if you are getting the best prices available.
California car insurance requires that you are financially responsible if you get in an accident. You will need to carry a liability policy to drive in this state. The first part of the policy if for injuries to the people in the other car. It is called bodily injury if you look on your policy and it will need to cover at least $15,000 for one person who is in the car. The maximum it will cover is $30,000 for everyone that is injured in one accident. That is not a lot of money and most of the time it is best to buy a larger amount of coverage. The property part of the coverage is only $5,000 and that will only be used for the other car. If you are at fault and this is the only coverage that you have, you will have no resources for any injuries you receive or for your car.
If you are caught driving without California car insurance and you live in the state, your license will be suspended. Of course no one wants that to happen, but often people find themselves short on funds and forget to pay the insurance premium. It is never a good idea to let the insurance lapse because the California car insurance company will be concerned that you are irresponsible and charge you more to reinstate the policy. They base their insurance rates on the rules of probability. A younger male who just started driving will often be charged more then an older man who has driven with no tickets for many years. That is why it is important to compare auto insurance quotes. Maybe your driving record has improved over the past few years and you are no longer in the high risk category. You could be spending unnecessary money every month paying a high premium that is not necessary. Call your own agent or check with other companies for new quotes to see if you can save some money on your insurance premiums
Because prices for insurance will vary with the city, it is a good idea to compare auto insurance quotes to make sure you are not paying to much. The biggest cities in California often have higher premiums because there are more cars on the road and so accidents are more likely to happen. If you live in any of the following areas of California expect a higher premium.
Los Angeles, San Jose, San Diego, San Francisco, Fresno, Sacramento, Long beach, Oakland, Bakersfield, Anaheim, Riverside