If you live in California and drive a car, hopefully you have auto insurance. California has some of the highest insurance rates in the United States, though. To get quotes on cheap auto insurance is easy if you know where to look. You can get California auto insurance quotes on reputable auto insurance websites online. It is very easy and uncomplicated.
Since you are mandated by law to obtain auto insurance while driving in California, you need to make sure you have the right type of policy. The minimum you need is 15/30/5. This means fifteen thousand dollars coverage will be paid for injuries, thirty thousand dollars for injuries and five thousand dollars for damage to the other car. This is if it is your fault. You need to be covered so the person you hit will be able to get their car fixed or see a doctor.
It is a good idea, though, to get auto insurance that have higher rates than this. This is because the damage will most likely cost more than this and anything above these amounts will be on you to pay out. Since the amounts mentioned above are quite low, you should seriously consider better insurance then what is legally mandated.
Increasing the liability on the policy is always a good idea. If the accident is your fault then you should make sure that your covered because lawsuits can get expensive. You will want to be covered if this happens.
Liability can pay for an attorney if needed. This is a good thing. Lawyer fees can be a lot of money and lawsuits can drag on for years and years. Be prepared.
Some people get comprehensive insurance. This pays for your car if it is stolen or destroyed in an event other than an accident. It will cover your car much better than if you do not have it. If you have a newer car then you really need to have this. If you have a loan then you are mandated to have this. If you have an older car that is not worth much, then you may not need it.
So if you need California auto insurance then just simply go online and fill out a form on a reputable insurance broker website. It is that easy. They will then contact you with different quotes. Once you know what the real cost is, it will be easier to decide how much coverage that will you really need.
