Car Insurance Ca

When trying to learn the ins and outs of California’s Car Insurance laws and regulations, there are numerous resources that will describe the requirements all drivers must satisfy. Since all drivers must carry a form of proof of insurance within their vehicles, all the time, understanding developments about CA car insurance can help you decide how to purchase your insurance and what kinds of insurance to purchase.

In order to get numerous quotes and find the best deal for your car insurance requirements, you can refer to lists published by the California Department of Insurance. These lists name and give contact information for each licensed insurer. Because of California’s Assembly Bill 2677, insurance companies active in California are required to provide numbers and websites where their potential customers can obtain free quotes for the kind of insurance they require. California is not a no-fault insurance state, but a Tort system, so drivers must take care to establish fault as early in the process of resolving an accident as possible.

California’s state Bodily Injury Liability law mandates a required minimum of $15,000/person, up to $30,000 per accident, while they maintain property damage liability coverage with a minimum of $5,000. These minimum coverage amounts are only that – a minimum – and individuals should consider how far such a small amount of money might go in the case of an accident taking place.

CA car insurance also offers a kind of insurance to protect against uninsured and underinsured drivers, and by subscribing to this sort of policy, a driver can help increase their peace of mind through the knowledge that no matter what kind of accidents befall them on the road, their care will be provided for. It might seem counterintuitive, but California’s car insurance rates are actually substantially below the national average, with CA residents paying an average of $1,650 per year in 2009.

California contains numerous car insurance companies, so by comparison shopping you can nab yourself a real bargain. The best way to find the one for you is to have a clear idea of the kind and level of coverage you want to purchase, then ask specific questions of representatives of the companies listed on the Insurance Department’s website. For low cost temporary CA car insurance which may be used for visitors to the state, many car rental agencies offer insurance which will cover you while driving their vehicle.