California Car Insurance Laws

California is known for having some of the highest car insurance rates in the whole USA, so it can be important to shop wisely and get a good deal on your car insurance. This article will explain how to get the best deals for car insurance while you live in California.The minimum car insurance that California requires all car owners to have in order to drive legally is a Bodily Injury Liability (BIL) coverage of 15,000$ per person involved in an accident up to a maximum of $30,000. BIL covers medical costs and compensation for pain and suffering in the case of bodily injuries in an accident. California also requires car owners to have $5,000 Property Damage Liability insurance coverage, which pays for any property damage caused by an accident. California has a tort system meaning that in an accident one driver is determined to be at fault and their policy must pay for all the damages caused to all parties in the incident. This means that you are less likely to need insurance (as half of the time, or more if you are a good driver, your car insurance will not need to pay) but when you do have to pay damages, it is paramount that you do have a good auto insurance as the costs will likely be high.It's worth noting that in Southern California, if you keep your daily mileage below 40 miles a day you can cut down the amount you pay in insurance. The savings from this can add up to more than a hundred dollars a year.Finally, low income citizens should take note of the California state government's Low Cost Automobile Insurance Program or CLCA. This program allows people to reduce the amount they pay for car insurance if they qualify as a good driver. It could be a significant help if you are struggling.