Maybe you just moved to California and need buy auto insurance coverage, or perhaps you’ve lived in the state a bit but are looking for cheap car insurance with good protection. When you’re ready to buy, you can start with a comparison auto insurance quote, and start by comparing the rates of our many A+ rated insurance company partners. That’s how you begin to know how much auto insurance in California will cost. Start with a a free car insurance quote online or call an IronPoint agent. California also has some unique car insurance laws that make insuring a vehicle here different than other states, so read on to stay up to speed.
Like most states, California requires drivers to carry a minimum about of liability insurance on their auto insurance policy. These are called the financial responsibility limits. In California, your minimum limits are are:
These are the minimums and are the minimum requirement to operate a private passenger motor vehicle on public roads. However, everyone’s insurance needs are unique. Learn more about minimum limits before you select the limits for your new California auto insurance policy.
If you’re new to the state, then can lean a lot from the California Driver Handbook. The handbook is published by the California Department of Motor Vehicles and can provide guidance on everything from registering your car, obtaining a California driver’s license and important state rules of the road.
If you purchased collision coverage on your auto insurance policy, then you may be eligible to buy the California Deductible Waiver. When you purchase this coverage, the insurance company will waive your deductible when you have a covered loss with an uninsured driver.
This coverage requires you purchase uninsured motorist coverage and is considered an alternative to uninsured motorist property damage coverage.
There are few unique discounts in California. The California good driver discount is one, however. If your good driving meet the specific criteria for eligibility, you could receive an additional 20% discount on your auto insurance premium. In California, a Good Driver is one who:
To learn about the many other discounts available in California. Note, the list of discounts available are not always allowed in the State of California.
Like all parents of driving age teens. You’re looking for good information to keep your young driver safe. If you’re the parent teen reaching driving age, you and your teen should begin by knowing:
When moving to California for the first time, or for long-time residents, insurance agents are a powerful way for you to get information on insurance and California regulations.
Of course, you should compare quotes to know the best rates available, and independent insurance agents can do that as well as the online quote aggregator sites.
Which ever way works best for you, we are available to help. You can call us to speak with an insurance agent, or compare quotes online.
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IronPoint Insurance Services is an independent insurance agency licensed (#0G87821) with the California Department of Insurance. We are authorized agents for many A+ rated Arizona, California and Utah insurance companies. We provide consumers with online, phone, and in-person insurance services through our insurance company relationships. IronPoint Insurance Services, LLC offers multiple insurance quotes to provide consumers several options for their insurance products. We offer auto insurance through Mercury Insurance Group, Travelers Insurance Companies, The Hartford, MetLife Auto & Home, and Progressive Drive Insurance. We are authorized insurance agents for these companies and do not charge any fees for our services. If an IronPoint insurance agent trys to charge you broker or agency service fees for representing these companies, please contact us immediately.