Saturday, December 20, 2014

California Car Insurance



California Car Insurance: Saving Tips

and State Requirements

If you have lived in California for a minimum of 18 months and haven't
received a traffic ticket or have not been involved in an accident in
the past 3 years, you are automatically entitled to get a discount on
your auto insurance.
There are various ways to get cheap car insurance in California. Some of which included:

Be a Good Driver

This is one of the most essential requirements for getting cheap car
insurance in California. You can get a cheap car insurance if you have a
good driving record.

Buy a Car with Quality Safety Features

To obtain cheap car insurance in California, it will be beneficial for
you to install safety features in your car or buy one which has these
features included. More safety features mean less possibility of the car
being stolen and less physical damages to the car as result of an
accident. This factor is given due importance by most insurance
companies. Therefore, it’s recommended you consider buying a car with
advanced safety features such as air-bags, alarm system, Dynamic
Stability Control, GPS Tracking System, anti-lock Braking System (ABS)
and safety glasses.

Enroll Yourself in a Driving Class:

Certain car insurance companies in California provide driving classes or
guidance to people to ensure they possess good driving skills. This is
termed as 'defensive driving.' You should consider enrolling yourself in
such these types of driving classes to get cheap insurance rates. Check
with you insurance provider on what type of courses they offer discount
on.

Stay with Your Parents

If you are a teenager or young driver, you can obtain low cost car
insurance in California if you choose to live with your parents and
register your insurance policy under their name, as you may have to pay
less for your insurance premium. This is especially beneficial if you
parents have good driving records and has been with an insurer for a
number of years.

The CLCA Program

The state of California has a program called CLCA, (California Low Cost
Automobile Insurance Program). This program provides people on
low-income with more options to find an affordable car insurance policy.

California State Requirements:

Before buying car insurance in California, it is essential to be aware of the minimum legal requirements set by the state.
As per California Insurance Code §11580.1b, the minimum insurance requirements are:
• $15,000 for injury or death to one person
• $30,000 for injury or death to more than one person
• $5,000 for any damage to property
Most insurance companies in California already have the above coverage
included, but you will need to determine if more coverage options or
higher limits on your chosen options is needed to protect your personal
assets.
To obtain more information regarding California auto insurance, you can
contact the California Department of Insurance in Los Angeles at
800-927-HELP (4357) or visit their website at http://www.insurance.ca.gov .

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