How much is car insurance in Los Angeles, CA?

In Los Angeles, cars and trucks dot the landscape as much as the city’s tall signature palm trees. If you live there you know that your car is as much a part of your life as your family. You spend a lot of time in it, driving around the city.

The minimum requirements to drive are statewide requirements, not just for Los Angeles. Though, be mindful that you may want to purchase more than the minimum.

The state of California only requires a minimum of $15,000 coverage per accident per person injured or killed.

The corresponding per accident for the whole accident is $30,000 bodily injury liability. The minimum coverage for property damage is $5,000.

Always compare auto insurance prices before choosing a policy.

When to Buy More Than Minimum Insurance

Californians also know that there is a high price tag for living on the Pacific Coast. The minimums are alright for purposes of getting out onto the road.

Though, it’s impractical to think that $5,000 would cover much if you cause damage to another vehicle.

In most cases, you will want to buy sufficient coverage so that you cannot be sued for all of your assets. In addition, you want the insurance to be ample enough to take the responsibility off of you personally.

Instead, you want your insurance to go to work for you if you are involved in an accident.

When you are buying insurance you are paying for lawyers who will go to bat for you. They will pay out benefits to those you may have injured or to those whose property you damaged.

Always buy insurance according to your own level of assets. If you have a lot to lose, buy proper insurance coverage. It will protect you from lawsuits.

California Insurance Options

California does have some unique aspects to its car insurance. Rather than buying the coverage, you may make a $35,000 cash deposit at the California Department of Motor Vehicles to cover you. There is the other option to buy a surety bond for $35,000 from a licensed business in the state.

Another surprising option is something called a certificate of self insurance. Drivers secure this through the state’s DMV also. Though, to qualify, drivers must have a whole fleet of 25 cars or more registered under their name.

Compare Quotes for the Best Insurance

Compare insurance costs by shopping online. Always include uninsured motorist bodily injury and property damage coverage too. In the long run, this coverage can save drivers money and headaches.

Did you know that because of regulations in California, you automatically qualify for a 20% discount on coverage if you have no incidents and have been a licensed driver at least three years?

Incidents that cause you to go to traffic school or accumulate penalty points would prevent insurers from extending the discount to you.

Be sure to compare auto insurance rates before making a major decision!