Auto Insurance in California

If you have a good health plan, you may not need the medical coverage that's a usual part of auto insurance in California. Although even if you do have existing protection you still may want to carry a small amount. Because the medical protection also covers your passengers in the event of an accident.

Collision and comprehensive coverage are another standard part of auto insurance in California. This coverage pays to repair or replace your car when in an accident or other from causes. The typical minimum deductible of $200 or $250 will cost you more in higher premiums than what you'd save with your out-of-pocket costs in an accident. So you should have at least a $500 deductible.

To protect yourself in accidents caused by drivers without adequate insurance, you can get uninsured or underinsured driver coverage. This protection pays expenses that the other driver's insurance doesn't cover. And although it's not a required part of auto insurance in California, it's recommended you get $50,000 or more of this coverage.

If you're in an accident that you cause, liability protection will take care of the medical and car damage expenses of the other driver. When you get auto insurance in California, it's recommended that you have at least $100,000 per person of bodily liability. And adequate property liability would be a minimum of $50,000.