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accordance with California state law, motorists must carry auto insurance coverage if they plan to drive within the Golden State. And, should you be stopped for driving without insurance coverage, your license to operate can, and probably will, be suspended. By state law, the minimum limit of liability insurance for bodily injury to a single individual is $15,000, while $30,000 is the limit covering multiple injuries or deaths in a solitary accident. As far as property damage is concerned, the minimal liability is fixed at $5,000 per accident.
Factors That Influence Insurance Rates
Similar to the policies of other states, the premium amount one will be required to pay in order to obtain auto insurance coverage depends on any number of mitigating factors or circumstances. For instance, age is a factor when determining how much a California driver will pay to secure his or her auto insurance coverage. As an example, history demands that male drivers under the age of twenty-five pay more than their female counterparts. Also, any recently licensed young adult can expect to pay higher premiums than an older, more experienced motorist. Why? History shows that young, under-experienced drivers are at greater risk of causing an accident than older, more mature vehicle operators.
Additionally, the type of vehicle one drives imposes a decided affect on the amount one pays for automobile insurance. A sports car, pricey SUV [link widoczny dla zalogowanych], or other expensive vehicle calls for the driver to pay a higher premium because the expense of repairing such a vehicle is typically high. And, again, drivers under the age of twenty-five who drive an expensive vehicle can expect to pay vastly higher premiums. One action that will most certainly lower premiums is the installation of an anti-theft device. This not only lessens the risk of one's vehicle being stolen, it also indicates a level of maturity to the insurance company underwriters that could go a long way to lowering a driver's monthly premiums.
Please understand, if you live in one of California's high crime regions or inner-city neighborhoods, expect to pay higher premiums no matter how old you might be. Again, installation of an anti-theft device would most likey be helpful, but we've addressed instances where even that was stolen. Along with where you live, your past driving record will also affect your insurance rates. Any driving record with a high number of traffic tickets and other moving violations will most assuredly cause one's premiums to increase - dramatically in some instances. A poor driving record is cause for banishment to any insurance company's high risk category. This would make it vary difficult for the affected driver to secure a low rate.
So, what to do? Shop around for the best quotes, of course. The cornerstone to obtaining affordable auto insurance is not complicated. Simply ... LOOK AROUND! Don't simply resolve to use the same provider recommended by a friend or colleague. It's always beneficial to acquire quotes from a number of companies. Compare not only rates, but also investigate other equally important terms and conditions being offered. The more you shop around [link widoczny dla zalogowanych], the more likely you will find your very best insurance bargain.
In addition to obtaining an affordable policy for driving your car, make just as certain you have purchased the required coverage. Furthermore, make certain you know what you bought and you understand what is covered and what is not included. Any surprises encountered when filing a claim are usually not the kind of surprises that you or I care to experience. I repeat - "You don't want any surprises when filing an insurance claim", period.
To wrap this up, auto insurance is required if you intend to drive within the state of California. Affordable insurance might not be your idea of "cheap", but the coverage you're able to pay for is available provided you're able and willing to shop around for it.