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California Car Insurance Online Quote

In 2005 Assembly Bill 2677 made it a lot easier to get a California car insurance online quote.

The bill requires that every insurer that sells private insurance provide consumers with a quote of their lowest price policy at the limits that the consumer asked for and that the customer is qualified for.

If you are looking for an online quote for your CA car insurance, this is information you need to know.

California Car Insurance Online Quote: Requirements

These quotes have to be available at all times via a toll-free phone number or via the insurance company’s website.  To comply with this bill most California car insurance company’s make California car insurance quotes available online.

Minimum requirements in California for liability coverage are

  • $15,000 for death or injury of one person per accident.
  • $30,000 for two or more persons injured or killed in an accident.
  • $5,000 in property damage.

All other insurance coverage, such as collision or comprehensive, is optional.  It is now law in the state of California that you have to show proof that you have this minimum coverage if you are asked for it by anyone in law enforcement when pulled over for a moving violation or any other reason. For example, if you have an accident, you are getting your car inspected or you are registering a new vehicle or renewing plates.  Failure to be able to prove proof of insurance most likely will be subjected to a fine.

Insurance companies are also required to offer uninsured/underinsured motorist protection in case the motorist at fault does not have adequate or any car insurance at all.  Other types of insurance that you can purchase are collision in case you hit a tree or phone pole, comprehensive in the event of things like fire, vandalism and damage due to weather and special riders that will cover rental car reimbursement, towing and insurance for after-factory modifications such as sounds systems and tires.

Helpful Information While Researching California Car Insurance Online Quotes

  • Keep in mind that you are legally financially responsible, in the event that you are at fault for an accident, for any damages over your policy limits you may want to consider additional coverage.  A single car accident has the potential to cause financial devastation if you don’t have enough insurance.
  • Every insurance company will have different rates and different policies due to different experience and expenses even in the same geographical area.  To help you in your quest to find the best policy at the best rates for your individual needs there are several resources that you can use including auto insurance company representatives, independent agents and brokers and websites.
  • When you are applying for car insurance, or just getting a quote, you will need to provide all your personal information in order to determine if you are insurable and what your premiums will be.  You will need to provide information on your driving record (accidents, moving violations), information on your vehicle (year, make, model, annual mileage).  You will also have to provide information on other people who will be covered on your policy.
  • Higher deductibles will mean lower premiums.  However, you don’t want to set yourself up with a deductible that is so high you will have problems paying it in the event of an accident.
  • Double check on the length of the policy.  Some policies are one month while others are six months or a year.   By the same token, make sure you know when payments are due.  Every insurance company has its own payment plans and in the event you are late paying your premium you will loose your car insurance coverage and be subjected to state fines.
  • Various discounts are available for carrying more than one policy or having more than one vehicle on a policy, anti-theft devices, and safety equipment such as automatic seatbelts, air bags or anti-lock breaks, having taken a defensive driving course, not having any moving violations or accidents on your driving record.
  • Many California residents visit Mexico on occasion.  If you are one of these people make sure that you have coverage that meets Mexican regulations before entering the country.  Not all California car insurance polices meet those of Mexico.

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