Auto Insurance Quotes Comparison California

California car insurance shoppers: you have come to the right place. The number one rule to finding the cheapest auto insurance rates is to compare quotes, especially in a large state such as, California. From LA to Monterey , the rates vary dramatically according to the insurance company, therefore, to save money – it is essential to know about car insurance in California. In the following information, we will discuss the minimum car insurance requirements by California state law.

The rates in California (and other states) have changed throughout the years. For instance, the average car insurance rate in California is 21 percent less in 2010 than last year and 2009 was six percent more than the rate was in 2008 in California. According to, the typical cost of insurance in California is approximately $1,306, while the average (for the other 49 states) is about $1,552. However, the best way to find the cheapest rates is to compare rate quotes.

Comparing insurance rates in California (and other states) is a smart consumer option. The process of comparing rates is simple, fast and could save more than $100 per month! People who have an excellent driving record or even those who have a poor driving record can benefit by comparing rates in the great Golden State of California.

California residents can receive a quote by calling and visiting local insurance offices. While this tried and true method of getting an insurance quote is a great way to get the best deal for car insurance, it can consume quite a bit of time. However, the newest method for receiving a quote is a great way to save time and money. This method is referred to as, online rate comparison. Rate comparison online allows individuals to see side-by-side comparison of the rates, products and services offered by each insurance company. Initially, the sites ask the inquirer to enter the zip code where their vehicle is parked in order to begin the process. The zip code information allows the system to determine the quote comparison based on location. After entering the zip code, rate comparison websites require certain information to provide the most accurate quote including, the person’s gender, age, information about their driving history, credit report and more to generate a side-by-side comparison of several major insurance companies.

CA Driving Laws

The state of California (and other states) requires a certain amount of insurance coverage for motorists. The California state law mandates basic coverage, known as, 15/30/5 coverage, which includes:

-Bodily Injury Liability minimum of $15,000 per injured person with a maximum of $30,000 per accident

-Property Damage Liability minimum of $5,000

*Drivers in the CA Automobile Assigned Risk Plan are required to have 10/20/3.

California state uses the Tort system, in the event of accidents; therefore, a driver needs to be found at fault for being the cause of the accident and the driver responsible for the accident (and their insurance company) are required to pay for any damages.

Driving with insurance in California is the law, but it doesn’t mean that California residents have to pay a lot in order to receive the proper coverage – rate comparison is probably the best way to save money on car insurance.

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