Car Insurance California

The basic decision you have to make when getting car insurance for California is what you want to protect and for how much. For instance, if you have an old, low-value car, it makes sense not to get collision and comprehensive coverage. If a car's replacement cost is less than your deductible plus several years of insurance payments, then you're ahead if you eliminate the coverage.

When getting car insurance in California, another type of protection you may be able to eliminate, is medical payments coverage. If you already have a solid health plan, your auto medical may duplicate this coverage. But even if you don't need the coverage for yourself, you may still want to have a minimal amount to provide protection for your passengers.

One type of protection you shouldn't eliminate when getting quotes for car insurance in California, is liability. Bodily liability pays for injuries you cause to another driver and property liability covers his car or other property you damage. This is coverage that you either pay for adequate protection now or pay for it later out of your pocket if you have an accident. And adequate protection is at least $50,000 for property liability and $100,000 per person bodily liability.

Uninsured or underinsured driver protection is another type of coverage that you should include with car insurance for California. It will pay for costly medical bills when the other driver is at fault and doesn't have sufficient insurance. The suggested amount is at least $50,000 worth of protection.