Known as the Golden State, California definitely has many rich elements. The golden coasts, gates, national parks, and Hollywood glamour will have you saying "Eureka!," the state's motto.
Cheapest Cities for Car Insurance in California
Requirement : Yes
Car insurance is required in California. Drivers must have a minimum of liability insurance, however there are discounts, and programs for low-income drivers.
Minimum Coverage Car Insurance Requirements:
A minimum liability insurance policy is required:
Other Car Insurance Coverage Options:
Liability coverage is the only requirement for California motorist to have, there are several other types of coverage available to drivers:
Other Forms of Financial Responsibility:
Other legal ways around buying car insurance include
Proof of Insurance: Yes
You must carry proof of insurance with your vehicle at all times, you must also have proof of insurance in order to renew your registration. You need to have proof of insurance in order to renew your registration. The insurance company (provider) will give you an insurance card as proof of insurance.
The card will include:
Getting Pulled Over:
Violations, Fines & Penalties:
You are required to have proof of car insurance in the state of California, if you are pulled over and cannot provide proof of insurance, or other forms of financial responsibility, you may face the following fines:
Not having car insurance may also result in a suspension of your vehicle’s registration if:
The California DMV will send you a letter if your registration has been suspended due to lack of insurance. You may re-register your car with a proof of insurance for a fee of $14. You can apply for reinstatement:
California’s Proposition 103 :
Good Driver Discount Policy :
Qualifiers of the Good Driver Discount receive a 20% discount. You qualify if:
Credit Scores & Determining Your Insurance Premium :
Under California law Prop 103, it is illegal for insurance companies to use your credit history as a factor for determining the cost of your car insurance premium. Other factors, however, may be used to such as:
California’s Low Cost Auto Insurance Program:
In order to qualify for the CLCA program, you must:
California’s Automobile Claims Meditation Program:
California will assist you should a dispute over a claim should occur. In order to be eligible for a dispute with your insurance provider if the dispute include:
You will be ineligible for mediation if the dispute involves:
For more assistance, visit: http://www.insurance.ca.gov/0100-consumers/0060-information-guides/0010-automobile/AutoMediation.cfm#talkto
Automobile Assigned Risk Plan:
The California Automobile Assigned Risk Plan (CAARP) helps drivers get insured should you not be able to find a provider due to a poor driving record.
All California car insurance providers must accept a certain amount of CAARP applicants depending on their share of the market. Should you have a clean driving record for a consecutive 3 years, you can purchase your car insurance outside of CAARP.
Electronic Insurance Cards:
Should you not have a car insurance card, you may be able to use your smartphone to pull up your insurance information.
Should you be involved in an accident:
Discounts : Yes
California insurance companies are required to offer good driver’s discounts for those with clean driving records.
Drivers under the age of 18 are banned from using their cellphones while driving; hand-held or wireless. All drivers are prohibited from using a hand-held cellphone while driving. All drivers are prohibited from texting while driving. Texting violations are considered primary offenses. California has a hand-held band, drivers are prohibited from holding a device while driving. Violators face a $20 fine for first offense, $50 fine for subsequent offenses.