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Wednesday, April 8, 2009

Auto Insurance In California

By Benny Griggs

Every driver in California, whether they own a vehicle or not, is expected to carry car insurance at all times while on the road. In fact, California has passed financial responsibility laws that mandate every driver to be able to compensate anyone they happen to injure or any property damaged/destroyed should the said driver manage to cause a car accident.

California's financial responsibility rules also states that every driver should have financial capacity to compensate anyone they manage to injure, including any property damaged or lost, if they are proven at-fault in causing a car accident. One must purchase adequate amounts of liability insurance (e.g. car insurance coverage) to comply with this rule.

Aside from being a state requirement, the right type of car insurance in California also stands to save you thousands of dollars in liability costs if you are sued or damages and injuries after a car crash. Here are the minimum liability insurance coverage amounts you must purchase in a car insurance policy: $15,000 to pay for personal injuries for every person per accident, with a total of $30,000 total personal injury coverage for all individuals per accident, plus an additional $5,000 to as property damage/loss liability coverage.

With the many dedicated car insurance websites and portals available on the Web these days, getting the most affordable car insurance in California is easier than ever! One would only need to run a free car insurance quote check or two to have an accurate idea of all the offers available. This also maximizes your ability to spot the car insurance companies with the policies best fitting your needs and requirements.

Also look into discounts you can get, which is the easiest way to lower your car insurance premiums. Defensive driving courses, installing additional safety devices to minimize injuries in a car crash, and maintaining an excellent driving history, are all sure-fire ways to save hundreds of dollars in your car insurance costs annually. - 23211

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