Why Do I Need California Car Insurance

Every state has some requirement in which the car owners of said state must have maintain at least some minimum level of insurance for their cars. This insurance allows the owner to pay damages in the event that they cause a motor vehicle accident. Most lien holders require that the car owners they lent money to maintain insurance with the ability to pay of their car. States are less restrictive only mandating that title holders have a minimum amount of insurance. The requirements to for California car insurance are no different.California requires that vehicle operators have the following minimum level of car insurance.o $15,000 bodily injury coverage for one person and $30,000 for more than one individual.o Property damage must be covered at a rate of $5,000 per occurrence.This requirement can be met by either:o Acquiring insurance through a state licensed company Having a deposit of $35,000 with the California DMVo A bond from a licensed insurer for $35,000. The owner of a fleet can give the DMV a certificate of self insurance (for fleets of 25+ cars.)For the average car owner who needs to obtain California car insurance the first option is the best. There are many insurance companies within the state which guarantee the minimum amount of coverage, but finding one that is both reputable and inexpensive can prove difficult. A lot of companies claim that they can offer insurance that protects from accidents, but also offers the customer service needs for those who have accidents in rural areas or off peak hours. Five companies offer California car insurance and have an A+ or better rating. This list provides the insurers and some differences so that a savvy consumer can make an informed decision.o GEICO is the highest rated company in the state. They offer low cost insurance that gives you the assurance of timely accident response. They were the first insurer to offer 24 hour customer service and they are currently the fourth largest insurer in the US.o 21st Century operates exclusively on the West Coast and has the highest retention rate of any California car insurance company.o Progressive has great commercials, but also offers insurance to more than 11,000,000 customers. This makes them the third largest insurer in the country. They are committed to innovation that gives their customers more choices than any other insurance company.o State Farm is the largest insurance company in the United States. They have slightly higher average rates than the others, but size does make a difference. They have great retention rates, and quick complete service.o American Family is the final of the highest rated insurers in California. The difference her is longevity. They have been around for more than 75 years and have maintained high quality throughout their long history.