Auto Insurance San Diego Style

California is a tort state which means that if you live in California then you are financially responsible for the damage and injury you cause in an auto accident. 

To drive a vehicle in California you're required to show proof that your financial responsibility is covered.  You can meet this obligation by purchasing a minimum amount of liability coverage.  Most drivers are wise enough to choose carrying insurance rather than risking their personal assets.  Get Free Insurance Quotes.  

The liability minimums in California's are 15/30/5.  So if you are carrying a $30,000 liability policy this translates to $15,000 per person for injuries you cause to the other party, up to $30,000 for all, and $5,000 for damage you cause to the other party's.

Be warned the mandatory requirements are way too low for the average cost of serious injuries and financial loss from an automobile accident.  All insurance agents recommend you purchase much higher levels of liability insurance.  

Auto insurance companies also offer optional coverage such as medical payments, collision, comprehensive, as well as uninsured and underinsured motorist’s bodily injury coverage.

How your insurance rates are set in California is different than many other states.  The rates are determined by the behavior and accident rates of all Californian drivers.  The cost of insuring California driver’s  including settlements and legal fees is totaled for the entire state and divide it up between everyone.

Of course these costs are not spread around evenly.  The percentage of these costs that you are going to pay is determined by things like your driving record, your age, where you live, and the kind of car you drive.

Not all insurance companies compute their figures the same way so a driver with the same profile can land up with different rates depending on the insurance company.  That’s why it is so important to get several quotes before purchasing insurance. 

When comparing insurance make sure you compare equal policies.  Make sure the deductibles are the same, that the exemptions or fine print reads the same and that the liability is for the same amount.  It is important to compare policies of equal quality to make sure your cheapest quote truly is your cheapest quote.

In less than a half hour you can have all the quotes you need and be on your way to buying cheap California auto insurance.  Why waste time?  Get busy! Get Free Insurance Quotes today!