auto insurance requirements for California insurance

Buy Discount Auto Insurance in Los Angeles

Saving money by buying discount auto insurance in Los Angeles is extremely easy with our rapid quoting system that is fast, free and a process that’s proven to save money on your premiums.  Online insurance quoting for all of your insurance needs is one aspect of technology that has been of tremendous benefit to millions of americans that want the convenience and savings that online quoting saves them every day.

Discount Auto Insurance Los Angeles

Auto insurance premiums in Los Angeles can be extremely high depending on the zip code you live in which is one of the reasons that the quoting we receive from the Los Angeles area is one of the most in demand locations we cater to.

Being such a large population base, the statistical amount of auto theft and vandalism that is reported is the largest single contributor to higher premiums for Los Angeles residents with the raw quantity of accidents being second.

Given these facts, people are insistent on getting the cheapest auto insurance in Los Angeles possible and this is done when you get multiple quotes and have companies competing for your business.  It’s even more important if your driving record is less than stellar.  Auto insurance in Los Angeles is in fact over 1.5% more than the average in LA County and about 36.5% above that for the rest of the State of California.

Discount Auto Insurance Los Angeles – The Facts

Understanding the auto insurance requirements for California insurance law is a prerequisite to get the best quotes that meet the guidelines the State government has set forth.  Auto insurance is regulated at the State level in all states.

The State of California follows what is known as a Tort system and that means a person will be found to be “at fault” for causing the accident, and that they and their insurance company will have to take financial responsibility all the damages. The details of tort systems can be different from state to state somewhat.

California law currently in place requires at the lower limits, bodily injury liability limits of $15,000 per person with a total of $30,000 per incident and liability for property damage  with a minimum amount of $5,000. This basic coverage is often referred to as 15/30/5 coverage in the insurance industry so you’ll know what they’re referring to when they mention this.

Discount Auto Insurance Los Angeles and California:

Bodily Injury Liability: $15,000/$30,000 Limit
Property Damage Liability: $5,000 Limit

California also has what is referred to as an Assigned Risk Plan and those minimum requirements are $10,000/$20,000/$3000.  You can see how they vary from the above in this plan.

Discount Auto Insurance Los Angeles – Other ways to save

Additional savings ideas when you’re getting your online auto insurance quotes in Los Angeles include:

Carpooling to save miles, driving a safer car with up to date safety features, increasing your deductible to a point you still can afford if you have an accident, driving a lower cost to insure car such as a sedan versus a sports car and dropping your collision insurance if you have an older car that’s not worth much money.  Additional discounts for students and seniors with good records can apply as well.

When you get your online auto insurance quote in Los Angeles with us, simply put your zip code in the box at the top of the page, select the type of insurance you want to get multiple quotes from (we have nearly every type of insurance) and you’ll be given a page of our providers that service your area.  They’re all top notch, highly regarded companies that are capable of helping you in your location.  Just click GO and their quote forms will come up for you to begin the process.  Enjoy the savings!

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Posted in: Auto Insurance, Insurance