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Cheap California Auto Insurance Quotes - Best Info About California Car Insurance Quotes


Cheap California Auto Insurance Quotes and Free California Car Insurance Quotes

Car Insurance companies COMPETE for your business, fill out ONE quick form and get up to FIVE best bids from THOUSANDS of Cheap California Auto Insurance Quotes companies. We help you get Cheap California Auto Insurance Quotes from leading car insurance companies fast and free with no obligation on one site, save your time & money, and keep your information safe.

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 not.
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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