Like most states, California requires drivers to carry auto insurance. So this is an essential coverage if you live or plan to move to the Golden State. Keep reading to learn more about auto insurance in California, including some facts you probably didn’t know.
Auto Insurance in California: What You Need to Know
California law requires drivers to have some form of auto insurance. This may be a conventional auto insurance policy, a $35,000 cash deposit with the DMV, a DMV-issued self-insurance certificate, or a $35,000 surety bond.
Of all these alternatives, auto insurance is the most common and convenient, so the majority of drivers opt for it.
The minimum liability insurance requirements in California are:
- $15,000 for injury/death to one person
- $30,000 for injury/death to more than one person
- $5,000 for damage to property
As with other types of insurance, shopping around is the best way to get a competitive quote. Contact the experts at Delgado’s Insurance to figure out your insurance needs, determine the coverage that works for you, and get a rate that fits your budget.
Auto Insurance in California: Some Useful Tips
When it comes to minimum insurance requirements, you shouldn’t forget the “minimum” part. You must carry at least the levels of protection listed above to stay in compliance with California law. However, medical and legal costs can be much higher, so you should consider purchasing a policy with higher insurance limits.
California doesn’t require uninsured/underinsured motorist insurance. This coverage helps pay your medical costs if you’re in an accident with another driver who has no insurance or doesn’t have enough coverage.
Just like increasing the limits of your policy, adding uninsured/underinsured coverage is also a smart move.
In addition to uninsured/underinsured motorist insurance, there are other coverages not required by California law that you may like to add to your policy:
- Medical payments coverage. Helps pay for medical costs if you or your passengers are injured.
- Physical damage coverage. Covers the cost of repairing damage caused when you hit a vehicle or other object (collision coverage) or by something other than a collision (comprehensive coverage).
- Insurance for extra equipment. Protects devices installed in your vehicle, such as stereos, navigation devices, and custom wheels.
- Insurance for towing and road service. Helps pay for these expenses after an accident.
Need Help With Your Taxes or Insurance? Contact the Experts at Delgado’s Insurance
Looking for assistance with auto insurance in California? Contact our experts at Delgado’s Insurance. Our mission is to help you make sense of your options so you can enjoy the peace of mind that only a sound insurance policy can provide.
Contact us today: our team stands ready to build customized coverage that fits your budget and your lifestyle.
We have locations in Riverside, California, and Bloomington, California. Get in touch by telephone (951-361-0084, 909-421-9003), email (mail@delgadosinsurance.com), or through our social media accounts (Facebook, Twitter) to get a free quote and learn more about our wide array of services.
