• Cheap Auto Insurance in California – Terrific Rates & Discounts

    car insurance in californiaLegal Requirements for Cheap Car Insurance in California

    Along with your driver’s license, you cannot legally operate a vehicle in most states without specific insurance coverage. In California, you will face serious penalties for driving without the minimum specified insurance for your auto. Add to this the financial risk if you have an accident and insurance is not an option. You want to find cheap auto insurance in California that covers all the legal bases. Liability coverage is the minimum requirement for some states. For other states, additional forms of coverage are often a necessity. Such coverage can include:

    Uninsured/Underinsured Motorist Coverage

    Uninsured/Underinsured Motorist coverage (or “UM/UIM” for short) is protection that covers an accident with a vehicle whose driver is not covered with insurance or has adequate coverage to cover the expenses resulting from the accident. This coverage is highly recommended for all drivers whether it is a legal requirement for driving in the state or not. California does not dictate that drivers have this type of coverage.

    No-Fault Auto Insurance and PIP in California

    How blame for an accident is handled varies among the states. In some, there is an effort to assess blame in each accident. In the so-called “no fault” states, it is possible that neither driver will be held responsible for an accident. In this case, no one is held legally liable for the damages caused by the accident. The possibility of no one being held at fault has given rise to Personal Injury Protection (or “PIP”) coverage in no-fault states. This allows payments for medical expenses to be paid after an accident. California does not have a no-fault law; the state does not require PIP coverage.

    Hands-Free Laws in California

    One of the significant safety hazards drivers face today is termed “distracted driving”. Technology presents more and more distractions such as texting and talking on phones. Studies are showing distracted driving to be as dangerous as drunk driving. This has resulted in a number of states enacting “hands-free” laws that limit the use of electronics to only hands free situations. In other words, the driver must not use his hands to manipulate a device while driving. In California, the hands-free laws are as follows:

    Highway Safety Laws

    Cell Phone Ban (Handheld) All drivers prohibited. School bus drivers w/passengers and drivers under the age of 18 prohibited hands free devices also;
    Text Messaging Ban All drivers banned for texting while driving.

    Automobile insurance is one of those necessities of life. The challenge is to get the coverage you need at a price you can afford. Until the last few years, finding cheap auto insurance in California was a difficult and time consuming process. Making sure you have the best price and are complying with all the laws and requirements can seem difficult. That no longer has to be the case. You can use the quote generator below by answering just a few questions use our powerful program to find the very best and most affordable insurance options.

    And don’t think it stops there! These pages contain valuable information for obtaining low-cost insurance in these California cities:

    Comparison Shopping – Find Best Vehicle Insurance Companies in California.

    It’s that simple to compare rates from the top insurance companies and save on auto insurance costs starting today.

    Learn more about CA State
    National Association of Insurance Commissioners