Auto Insurance Quote California

Like most states, California requires that drivers get property and bodily liability auto insurance. Property liability covers the repair or replacement of property you damage in an accident caused by you. Bodily liability is responsible for the injury treatment of those you hurt. It also deals with the legal costs arising from a lawsuit. When getting an auto insurance quote for California, it's important to have adequate liability protection. For property, it's recommended you get a minimum of $50,000 and for bodily, at least $100,000 per person.

Even if you're not at fault in an accident, you may want protection for accidents caused by drivers with insufficient insurance. Uninsured or underinsured driver coverage takes care of your expenses that the other driver's insurance doesn't. It's suggested when you get an auto insurance quote for California, you ask for at least $50,000 of this coverage.

A major part of the price for an auto insurance quote for California drivers can be the collision and comprehensive coverage. It's not required by law and if your car is old and has little value, then it's not needed. But if you do get the coverage, make the deductible $500 or more. Accidents with more than a few hundred dollars damage happen infrequently enough that a large deductible makes sense.

Injuries to you and your passengers from an accident can be covered with the medical part of auto insurance. However, the coverage is similar to what a medical or health plan offers, so if you may already have all the protection you need. If you do, you can drop this coverage from your auto insurance quote for California since it's not required by law. But you may also want to consider having a small amount for your passengers' protection.