==== ==== Find Affordable Auto Insurance. 5 Minutes Could Save You Up To $400! Compare Car Insurance Rates For Free Right Now. http://ebsu.net/SaveOnCarInsurance ==== ====
California has more drivers on the road than any other state in the nation. In fact, it has nearly double the number of drivers on the road as Texas and Florida - the states with the 2nd and 3rd highest number of drivers on the road. This makes driving on California roads stressful, inconvenient, and ripe for collisions. Because of this (among other reasons) all California drivers must carry a minimum amount of auto insurance coverage. California auto insurance laws are designed to protect drivers in the unfortunate event of an accident, but most auto insurance carriers agree - the minimum amounts are rarely enough to cover medical expenses and property damage. If you want to make sure you purchase more than enough auto insurance in the state of California, continue reading to learn how to avoid being underinsured. Step 1: Take a look at California's minimum auto liability insurance requirements. All California residents must carry minimum liability coverage in the amounts of 15/30/5. Step 2: Understand what 15/30/5 means. 15/30/5 is equal to $15,000 for death or injury of any one person, in any one accident; $30,000 for all persons in any one accident, and $5,000 for damage to property in any one accident. Do you drive a Mercedes? How about a Lexus? Then the minimum requirements aren't even close to sufficient coverage. Step 3: Grab a calculator. Ask yourself a few questions. Do you drive everyday? Where? Do you drive only occasionally? Calculate your mileage. And remember, if you drive everyday, to work, to run errands, to school, to appointments, etc., you should consider doubling your coverage amount. Maybe even triple. Step 4: What kind of car do you drive? Vintage? Luxury? Sports? If the answer is yes, think about tripling your property damage coverage. Step 5: Consider uninsured/underinsured motorist coverage. Although it is not a requirement in the state of California, it's a definite plan B if you are involved in an accident with an uninsured or underinsured driver (bare minimum coverage). Step 6: Try to stick to insurance companies with a strong presence in the industry - auto insurance companies with a history. These seasoned professionals are best suited to assess your current situation and recommend the best products. Step 7: Listen to your insurance agent. They are not there to sell you auto insurance coverage that you do not need. They will make recommendations and in some cases, the price might be outside
of your budget. But remember, it could cost you much more in the long run if you are involved in an accident and the damages are beyond your minimum coverage amounts. Step 8: It's ok to shop and compare. Search for 3-4 top auto insurance carriers and request a quote. Speak with each auto insurance provider about what's covered and what's not covered. You can also discuss discounts. Many auto insurance providers offer anywhere from 10%-15% off if you complete a safe driver course, if you carry multiple policies with the insurance company, and if you add another vehicle to the policy. You can even submit an official statement of intended use to help lower your rates.
For more information on California Auto Insurance, including recent insurance rate trends for the state, and driving facts including California DUI laws, CA teen driving restrictions, and more, visit Auto Insurance Tips.
Article Source: http://EzineArticles.com/?expert=Wanda_Leibowitz
==== ==== Find Affordable Auto Insurance. 5 Minutes Could Save You Up To $400! Compare Car Insurance Rates For Free Right Now. http://ebsu.net/SaveOnCarInsurance ==== ====