Bonveda's Blog

The state of California is known for many things both good and bad. Tourists by the thousands flock to the west coast for the warm weather, sandy beaches and a chance to catch a glimpse of their favorite movie star. Those that live in California and drive frequently must by law insure their car. In a state where everything is quite costly, the minimum amount of coverage requires are fairly reasonable.

In California a driver is required to hold both liability insurance and insurance for damage to property. The liability insurance protects the driver considered at fault in case of the serious injury or death of another party. The property damage insurance covers the damage caused to both their car and the other party.

California's state minimums for both types of insurance are fairly low when compared to the other 50 states. All drivers are required to have a minimum of $15,000 dollars per person in liability insurance and $30,000 per accident. For property damage all drivers are expected to carry $5000 in coverage per accident. The numbers quoted above are the current state minimums but several reputable insurance companies may suggest you purchase more for your own protection.

For those that want extra insurance coverage but are afraid of the higher premiums, there are ways to bring the costs down. Maintaining good judgment while driving reduces your risk of accidents and violations. It is estimated that even one accident in which the driver is named at fault can often times triple the rate of insurance they would receive when compared with a driver with a clean record.

Maintaining one's car so it meets all safety and industry standards also can help trim down the insurance premiums. Finally, shopping around for the best quote is the best way that you will get the optimum price for you. Despite what advertisements say there is no single insurance company that offers the best rates all the time for every person. Everyone has varying needs and different companies will likely have different offers.

Auto insurance minimums in the state of California are quite reasonable but that doesn't mean that one shouldn't research various companies. More protection could be more affordable that you think.