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Next, you want to be sure that you are covered in the event any property damage
is done. Property damage protects you against a claim for damages to either
another vehicle or property in an accident for which you are liable. The third
number (15/30/5) tells you how much your california auto insurance will cover for property damage
in any one accident.
Bodily injury liability does not protect you or your car directly in a claim
brought by someone else against you. Bodily injury coverage applies in an accident
for which you are liable (at fault). This protects you in claims for damages
including medical expenses, lost wages and pain and suffering. This coverage
also applies for a member of your family driving your car or someone else driving
with your consent. For example, California requires a minimum 15/30/5 liability
coverage. The first number is the amount that the california auto insurance policy will cover for any
one person ($15,000). The second number is the total amount the california auto insurance will
pay for all persons injured in an accident.
Californians on average paid about $950 in auto insurance premiums in 2003, compared to the national average of about $914. Most people believe all these california auto insurance rates are fixed by california automobile insurance companies and state regulatory agencies, but in reality discounted and competitive california car insurance rates are available in California.
Underinsured or uninsured motorist (UM/UIM) coverage pays for you, members
of your family in your household and occupants of your automobile for personal
injuries caused by a hit and run driver or an uninsured motorist. This coverage
basically replaces the insurance the other driver should have bought but did
When calculating your california automobile insurance quote, you must take into consideration
the following factors; your driving record, moving violations and previous accidents
will increase the cost of your california auto insurance rate. Other factors include age, gender
and marital status. Under California auto insurance law, Californians are now
able to purchase low cost, reduced limit, automobile liability coverage. The
California Low Cost Automobile Insurance Program will satisfy the financial
responsibility laws of the State of California. Under California auto insurance
law, these policies are available to qualified persons residing in the counties
of Los Angeles and San Francisco. These factors are based on household income,
driving record and the value of the vehicle you want to insure.
Even within the state of California, auto insurance rates have changed over the past few years. Comparing the current california car insurance rate to the numbers from a few years back, the average california auto insurance premium in 1999 was about $771, that's an increase of about 23.22% in 4 years!
If you drive an automobile in California, state law dictates that
you must be financially responsible for your actions. All drivers must show
their ability to pay for damages or injury to others resulting from the ownership
or operation of a motor vehicle. California's Compulsory Financial Responsibility
Law requires every driver and owner of a motor vehicle to be financially responsible
for their actions.
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