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Minimum Auto Insurance Coverage in California
California State
Minimum liability limits of 5/30/5 refer to $5,000 bodily injury liability per person, $30,000 per accident, and $5,000 for property damage. Insurance requirements vary from State to State.
Why would I want to buy more insurance than safe law requires?
If you are found to be liable for an amount greater than the coverage limits of your policy, you must pay the difference. If you don’t have enough cash, the injured party can go after your home, financial assets, and even future earnings. It’s wise to consider increasing your liability limits when you own a house or other valuables assets.
Why does a high deductibles cause my premium to go down?
Generally, the more risk you assume, the less risk you assign to be insurance company, which charges according to how much risk it is insuring against. A deductible is the initial dollar amount of a loss that you must assume before the insurance company will pay your claim. Auto insurance deductibles typically range from $250 to $1,000.
Why does a high deductibles cause my premium to go down?
Generally, the more risk you assume, the less risk you assign to be insurance company, which charges according to how much risk it is insuring against. A deductible is the initial dollar amount of a loss that you must assume before the insurance company will pay your claim. Auto insurance deductibles typically range from $250 to $1,000.
What effect does my driving record have on my auto insurance?
A good driving record is critical to your ability to obtain auto insurance. If your past is free of tickets, accidents, and drunk driving arrests, chances are excellent that you will pay much less than the person who has a history of these infractions.
Why does my insurance company want to know my age?
Statistically, the risk of an automobile accident fluctuates with age. Teenagers are among the most expensive drivers to insure because their inexperience makes them more likely to be in an accident than drivers over age 25.Just as a teenager will have to pay more for being young and inexperienced, drivers can expect to pay less as they reach the age range where they are statically the safest on the road, roughly from ages 40 to 55. In some cases, rates may go up as a driver becomes elderly.
I have heard of States with no-fault laws and PIP coverage. How does that differ from states with standard coverage?
There are some States with various forms of no-fault insurance. Generally, no-fault laws is each person involved in an auto accident to pay his or her own medical expenses and lost wages – and stricter versions disallow certain pain-and-suffering lawsuits. Therefore, many no-fault states require drivers to have Personal Injury Protection (PIP), which pays extensive medical expenses, lost wages, and a small death benefit for the driver and all passengers. PIP usually comes with 20 percent deductibles. In some states, both no-fault and PIP coverage are optional.Find out more - Click here!
Adriana’s Insurance, licensed by the State of California, is the fastest growing insurance agency in Southern California. Characterized by excellent customer service and a personal touch, we specialize in providing quality low-cost insurance with exceptional service.
Auto Registration Services and California Insurance Quotes
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