Monday, November 28, 2011

California Auto Insurance?

California  is a state located on the West Coast of theUnited States. It is by far the most populous U.S. state and the third-largest by land area(after Alaska and Texas). There in all 50 states in US and California is one of them.

Car insurance is necessary,if you own a car.Driving car without valid license and appropriate car insurance is against the law in California as other US states.

California is very famous US state and there are many insurance companies in California offering your best auto insurance rates. Deciding what insurance policy,sometimes gets very difficult,when there are too many options.

There are few options where you can buy Auto insurance policy. Your area insurance agent. By calling the insurance company and asking them to send their executive to your place or by searching on internet. Getting details on Internet is nowadays most famous. Most of the policy buyers prefer searching about insurance policy on internet.

Buying a car policy was difficult previously, but now internet has made this insurance policy buying very easy. You can search for the required policy and get free quotes online and buy the car insurance policy online. You can compare few other auto insurance policy rates and decide which policy to buy. Mostly you get free online auto insurance quotes, but some companies charge you minimum fee for this getting quotes. They charge this fee because users don’t misuse their sites. But I personally suggest, ignore this money asking sites, for getting free online car insurance quotes. There are many other websites, which offer free quotes retrieving service.

There are well known famous companies that provides Auto insurance with great discounts and attractive offers.The companies like Progressive,Geico,State Farm,esurance, etc etc .This companies are globally trusted and they provide very good customer service.

If your car is from California and your driving license is from California then ,Your car insurance should include basic coverage's as per California traffic rules:---
1) Bodily Injury Liability Coverage
2) Property Damage Liability Coverage

“15/30/5” (California minimum auto insurance requirement)
The first two digits are 15 means $15,000 for injury/death to one person.
The another two digits are 30 means $30,000 for injury/death to more than one person.
The last digit is 5 means $5,000 for damage to property.

This insurance claim returns are generally written in shorthand (e.g.: 15/30/5 or 25/50/10), the minimum auto insurance requirements depends by state. But basically the first two numbers always refer to bodily injury liability limits and the third number refers to the property damage liability limit.

For more clear understanding read this example, the first two numbers in 35/40/10 mean that in an accident each person injured will receive up to $35,000 with a maximum of $40,000 per accident (If there are multiple people filing claims, and the need is greater than the maximum coverage, whoever files first gets first access to the $50,000 limit. The insured may be sued for any additional amount if he/she is at fault!). The last number refers to the total coverage for property damage per accident, which in this case is $10,000.

Car is one of the basic necessities these days. Previously buying car was difficult, because you have to pay full cost of the car. But now a buying car is simple, you can buy car on loan. You can choose the simple loan paying plan as per your salary.

But if your vehicle is financed by loan companies then you need Comprehensive coverage and Collision Coverage too included in your auto insurance.If you bought the car with complete full amount paid,then this policy coverage's are not compulsory. 

But its always advisable to buy the policy with full Auto insurance coverage.This gives most of the benefit.

This details will help.Thanks.

Check this list for more help on car insurance:---