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What Should Your California Auto Insurance Policy Include?

Finding the right car insurance for you and your vehicle can be challenging. There are a number of things to consider before committing to a policy. The process is much easier if you have a complete understanding of what you need and what is covered by different policies. Low cost auto insurance is available, but you need to familiarize yourself with the terminology associated with insurance coverage before making your final insurance decision.

Liability Coverage

Liability coverage helps you if are involved in a collision in which you are at fault. When you are involved in an accident due to your own mistake or carelessness, you are held financially responsible for the damages caused to the other vehicles involved in the accident. Liability insurance protects you and the other drivers involved in the accident. Likewise, if you are in an accident caused by another insured driver, their liability insurance will cover any damages you suffer. California drivers are required to have liability coverage if they are driving.

Comprehensive Coverage

Comprehensive coverage is more complete coverage than that offered by liability coverage. If your vehicle is damaged, comprehensive coverage helps pay for the damage. This not only includes accidents in which you are at fault, it also includes natural disaster damage. Comprehensive coverage also helps you if your vehicle suffers damage not caused by another vehicle, such as pot holes or collisions with inanimate objects. You can save money on auto insurance by reducing your comprehensive coverage if you are driving an older vehicle.

California Automobile Assigned Risk Plan

Safe drivers in California might qualify for reduced liability coverage requirements. The California Automobile Assigned Risk Plan (CAARP) are required to have only 10/20/3 liability coverage under this state-funded program. These numbers represent maximum coverage for Bodily Injury Liability for one person injured, maximum coverage for Bodily Injury Liability for one accident, and the maximum coverage for Property Damage Liability for one accident. This program makes it easier to secure Lowest cost car insurance in California.

Uninsured Motorist Protection

Drivers in California are not required to have uninsured motorist protection, but it is encouraged. If you are involved in an accident with a driver who is not insured, this coverage will protect you from damage and fund repairs. Again, you will want to consider the age and quality of your vehicle before making your decision about uninsured motorist protection.

Searching for competitive car insurance in California can be an overwhelming experience if you are disorganized and you do not understand what you need. If you determine your requirements under California law and take time to consider your specific needs, the process can be much easier. Searching online for low cost car insurance in California makes the process even easier because you can gather several quotes from one location. If you are considering a switch from your current policy or you are a first-time driver and you need affordable insurance rates in California, search online for the best value in car insurance rates.

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