One of the most populated states in all of the United States is California, and drivers that call this state home should be prepared to pay for their auto insurance. Due to the high number of people in the area, the chances of a person getting into an accident are much higher than in other states that are located in the US. And because of this most people will find that they are going to be paying more for their auto insurance than they would if they were located in other states in order to offset the cost of repairs that the state makes when these accidents happen. Plus, since there are so many people in the state, the chances of the company having to pay out money for an accident are relatively high and companies cover this by racking up rates. With that being said, the average for the entire state in terms of how much people pay for their auto insurance is around $1300. However, this is going to vary greatly with each city that a person claims as their home. In the city of Los Angeles, the person will pay almost $1600 for their auto insurance which is considered to be some of the highest that is found in the United States. Other cities are going to be lower than $1300 if they are not an area that receives a lot of traffic and accidents, as well as car thefts.
Those that are going to be getting insurance in California are going to find that there is a minimum coverage that they must meet. They must carry $5,000 for property damage coverage, $15,000 for injury or death to one person and $30,000 for injury or death to more than one person. Anything that is below this is not going to have the person being considered legal. And they will find that most companies will not sell anything below the minimum requirement. The minimum requirement is just that…it is the minimum, thus if the person were to get into an accident, they are going to find that they have to pay for the majority of the damage that occurs out of their own pocket, which can be a huge problem for some people.
Since the minimum will require that the person pay so much out of pocket, the person is recommended to get more than the minimum coverage. Some examples of coverage’s that are recommended is the underinsured or uninsured motorist coverage, as well as coverage that is going to cover the vehicle from anything other than collision, this concludes if the vehicle is stolen or something along those lines. Vehicle theft is rather high in the state, thus the person will find that they are better off if they are prepared if this does happen.
There are many companies in the state that can provide the person with the coverage that they need. They are going to find that there well over one dozen auto insurance providers. They will want to compare all of these in order to find the best rate for the coverage that they are wanting. Otherwise, they will find that they could end up paying more for the same coverage. Many of these companies allow for people to do this online, which is going to help in giving the person time to shop around before they need a new policy to kick in. The credit rating, driving history and other factors will affect the rates that they are given, and those that are considered high risk can be denied insurance from normal providers. Thus, the person may have to go to specialty companies in order to find the insurance that they need.