Asian Accomodations

State Minimums

• Bodily Injury Liability: $15,000/$30,000 Limit
• Property Damage Liability (PDL): $5,000 Limit

*For automobile assigned risk plan drivers, the requirements are $10,000/$20,000/$3,000 Limits

A Tort system is followed in CA. This means that someone must always be found responsible for causing an accident. This person and their insurance company will then be held responsible for any and all damages. Contingents of this system can vary by state and you should check with your local DMV office for exact rules.

CA does not require it, but if you’d like enhanced protection, you can choose to get Uninsured/Underinsured Motorist Bodily Injury coverage on your california auto insurance policy. This coverage will protect you against personal injury caused by an uninsured driver and/or underinsured motorist.This can be very worthwhile coverage if you end up being involved in an accident with this type of person.

The average auto insurance premium for residents in CA was $950 in 2003; The national average was $914. Some people think the state and insurance companies fix the rates, so they never compare current rates for better rates.

Insurance companies segment their rates differently so everyone’s rate will be different with each company. To see if you can save money, you need to compare current insurance quotes. There are several sites available to compare quotes and less epensive prices available in California, so average Californians can get a better-than-average low rate on their auto insurance.

It took almost 10 years (1999-2007) to see the most recent decrease in insurance rates. That year saw a .5% to 1% decrease in average insurance costs from the previous year. Nevertheless, 2009 has already seen increases in average rates and it will most likely continue for the rest of the year. To find the lowest rates, it’s best to use the internet and compare different rates.

Your insurance rates may change over the years and especially in a state like California, if you are not careful you may wind up paying too much for your auto insurance coverage premiums. Looking back, the average auto insurance cost in 2000 was about $767; it increased 24% in just 3 years! Since then insurance rates have fluctuated.